In short
On a MX$3 million home in Ciudad Juárez (Chihuahua), the acquisition tax is MX$62,400 (2.08% of the value) and the fee to record the deed MX$19,635, under its 2026 law. Appraisal values in Ciudad Juárez changed by +7.6% over a year (SHF index, second quarter of 2026). The average fixed-rate mortgage offer was 11.31% in August 2026 (Banco de México).
Calculate for Ciudad Juárez
The questions, answered
How much tax and recording fee on a MX$3 million home in Ciudad Juárez?
On a MX$3 million home in Ciudad Juárez (Chihuahua), taxed on the highest of an appraisal, the cadastral value and the value in the deed, the buyer pays property transfer tax (ISTD) MX$60,000, university surcharge (4% of the tax) MX$2,400, recording fee, Registro Público de la Propiedad MX$19,635: MX$82,035 in all under the 2026 laws read by Payotte, before notary fees.
How much tax and recording fee on a MX$8 million home in Ciudad Juárez?
On a MX$8 million home in Ciudad Juárez (Chihuahua): property transfer tax (ISTD) MX$160,000, university surcharge (4% of the tax) MX$6,400, recording fee, Registro Público de la Propiedad MX$19,635, MX$186,035 in all, before notary fees.
Are home prices rising in Ciudad Juárez?
The SHF price index for Ciudad Juárez (Chihuahua) changed by +7.6% between the second quarters of 2025 and 2026, against +7.3% for Mexico; it measures appraisal values of homes bought with a mortgage (Sociedad Hipotecaria Federal).
What monthly payment on a MX$3 million home in Ciudad Juárez?
MX$2,400,000 borrowed (20% down) costs MX$25,281 a month over 20 years at 11.31% (Banco de México, August 2026); average CAT 13.78%.
How much tax when you sell a home in Ciudad Juárez?
Federal rules apply in Ciudad Juárez as in every state: a seller who is not a Mexican tax resident pays by default 25% of the gross price (LISR art. 160), MX$750,000 on a MX$3 million sale, paid by the notary; a resident selling their own home is exempt up to 700,000 UDIS, about MX$6,199,266 at 15 October 2026 (art. 93-XIX-a).
How Ciudad Juárez compares
Ciudad Juárez charges MX$62,400 of acquisition tax (2.08%) on a MX$3 million home, 16.8% under the MX$75,000 median of the 54 municipios computed; 17 charge less and 36 more.
The law applies one rate, 2%, to the taxable base, so the tax grows in step with the price: MX$20,800 on MX$1 million, MX$62,400 on MX$3 million and MX$166,400 on MX$8 million. In Ciudad Juárez, a 4% surcharge (University surcharge) is added to the tax.
Inside Chihuahua, the nearest computed neighbours on a MX$3 million home are Chihuahua MX$62,775 (MX$375 more). The MX$19,635 recording fee comes from the state's own law, so it is identical in each of them and the gap is the municipal tax alone.
Tax and recording fee together take 2.73% of a MX$3 million price, MX$82,035, which is 3.2 monthly payments of MX$25,281 and 13.7% on top of the MX$600,000 down payment. On a home at the state median appraisal of MX$1,301,862 the same rules give MX$46,713, 3.59% of the price.
Ranked from the lightest to the heaviest of the 54 areas, Ciudad Juárez is 18th: just below it in the national ranking is Villahermosa (Tabasco) at MX$60,000 and just above it is Chihuahua at MX$62,775. The lightest, Guanajuato, takes MX$24,144 on the same MX$3 million, so a buyer in Ciudad Juárez pays MX$38,256 more; the heaviest, Querétaro, takes MX$170,306, MX$107,906 more than Ciudad Juárez.
Beyond the three prices of this page, tax and fee reach MX$61,235 on MX$2 million, MX$123,635 on MX$5 million and MX$269,235 on MX$12 million. Between MX$3 million and MX$8 million, each extra peso of price carries 2.08 centavos of acquisition tax, the same as the average rate. In the daily unit of account (UMA, MX$117 in 2026) the MX$3 million tax is 532 UMA and the recording fee 167.
The SHF index of Ciudad Juárez itself moved +7.6% in a year, ahead of Chihuahua (+7.4%) and above Mexico (+7.3%): 19th of the 36 cities with an index of their own.
| Measure | Value | Reference | Rank |
|---|---|---|---|
| Ciudad Juárez: Acquisition tax on MX$1 million | MX$20,800 | median MX$21,588 | 25th of 54 lightest |
| Ciudad Juárez: Acquisition tax on MX$3 million | MX$62,400 | median MX$75,000 | 18th of 54 lightest |
| Ciudad Juárez: Acquisition tax on MX$8 million | MX$166,400 | median MX$232,239 | 16th of 54 lightest |
| Ciudad Juárez: Effective rate at MX$3 million | 2.08% | median 2.5% | 18th of 54 lightest |
| Ciudad Juárez: Effective rate at MX$1 and 8 million | 2.08% and 2.08% | gap 0 points | flat |
| Ciudad Juárez: Tax on MX$3 million in UMA | 532 UMA | MX$117 per UMA | 17.5 monthly UMA |
| Ciudad Juárez: Recording fee on MX$3 million | MX$19,635 | 0.65% of the price | 31.5% of the tax |
| Ciudad Juárez: Tax and fee on MX$3 million | MX$82,035 | 2.73% of the price | 24th of 54 lightest |
| Ciudad Juárez: Tax and fee on MX$12 million | MX$269,235 | 2.24% of the price | 3.3 times the MX$3 million bill |
| SHF index, Ciudad Juárez | +7.6% | Mexico +7.3% | 19th of 36 |
Appraisal values, home loans and renting for the whole of Chihuahua are on its state page.
The figures
| Measure | Value | Source |
|---|---|---|
| Property transfer tax (ISTD) on MX$3 million | MX$60,000 | Ley de Ingresos del Municipio de Juárez 2026, art. 38 and 43 (Decreto LXVIII/APLIM/0427/2025, P.O. 103, 24 Dec. 2025) |
| University surcharge (4% of the tax) on MX$3 million | MX$2,400 | Ley de Ingresos del Municipio de Juárez 2026, art. 38 and 43 (Decreto LXVIII/APLIM/0427/2025, P.O. 103, 24 Dec. 2025) |
| Recording fee, Registro Público de la Propiedad on MX$3 million | MX$19,635 | Ley Estatal de Derechos de Chihuahua, art. 29-I-a (last reform P.O. 103, 24 Dec. 2025) |
| SHF price index, Ciudad Juárez, change over a year | +7.6% | SHF, Q2 2026 |
| Average fixed-rate mortgage offer (Aug. 2026) | 11.31% | Banco de México, CF303 |
The SHF publishes home prices in pesos by state only; for a municipality it publishes an index, not a price. The appraisal values, loans and renting of Chihuahua are on its state page.
Elsewhere in Chihuahua
Sources
- Acquisition tax: Ley de Ingresos del Municipio de Juárez 2026, art. 38 and 43 (Decreto LXVIII/APLIM/0427/2025, P.O. 103, 24 Dec. 2025); the calculator.
- Recording fee: Ley Estatal de Derechos de Chihuahua, art. 29-I-a (last reform P.O. 103, 24 Dec. 2025).
- Prices: Sociedad Hipotecaria Federal, Índice SHF de Precios de la Vivienda en México, second quarter of 2026 (press release 05/2026, 10 August 2026), consulted 2026-10-15 (data).
- Loans: SEDATU, Sistema Nacional de Información e Indicadores de Vivienda (SNIIV), open data « Financiamientos » 2025; Banco de México, SIE, Tasas de Interés de Crédito a los Hogares (CF303), Indicador del Costo de Créditos Hipotecarios, August 2026.