Municipality · Sonora

Buying a home in Guaymas: tax, fees, prices

Acquisition tax computed from the 2026 municipal law · recording fee of the state · SHF price index · Banco de México mortgage rates.

In short

On a MX$3 million home in Guaymas (Sonora), the acquisition tax is MX$60,000 (2% of the value), under its 2026 law. Appraisal values in Sonora changed by +9.2% over a year (SHF index, second quarter of 2026). The average fixed-rate mortgage offer was 11.31% in August 2026 (Banco de México).

Includes: Guaymas, San Carlos (municipality of Guaymas).

Calculate for Guaymas

If you buy

Acquisition tax, recording fee and loan in Guaymas

Rates of Ley de Ingresos del Municipio de Guaymas 2026, art. 17 (Ley 114, B.O. 26 Dec. 2025, electronic copy hosted by the municipality). Change any field: the amounts are recalculated instantly.

Value taxedMX$3,000,000
Acquisition taxMX$60,000
Recording fee (Registro Público)not read
Total of the lines aboveat least MX$60,000
Loan with 20% downMX$2,400,000
Monthly payment, 20 years at 11.31%MX$25,281

The recording fee of Sonora was not read at the source and is not included.

General rate; notary, appraisal, liens certificate, SRE and broker fees excluded. Payment at the Banco de México average offer, not an offer. All the rates and sources.

If you sell

Income tax on the sale

Federal rules, the same in every state: your tax residence decides.

Rule applied25% of the gross price, no deduction (LISR art. 160)
Income tax on the saleMX$750,000
Sale price after the taxMX$2,250,000

Default rule for a non-resident; the notary pays it at the signing. Option: 35% on the gain instead, computed with the resident rules (not computed here); it is cheaper when the gain is below about 71% of the price.

Main home only for the exemption; the 5% state payment and fees are excluded. How the tax on a sale works.

The questions, answered

How much tax and recording fee on a MX$3 million home in Guaymas?

On a MX$3 million home in Guaymas (Sonora), taxed on the highest of an appraisal (bank, public broker or registered appraiser, under 6 months), the cadastral value and the price, the buyer pays property transfer tax (ITDBI) MX$60,000: at least MX$60,000 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 Guaymas?

On a MX$8 million home in Guaymas (Sonora): property transfer tax (ITDBI) MX$160,000, at least MX$160,000 in all, before notary fees.

What monthly payment on a MX$3 million home in Guaymas?

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 Guaymas?

Federal rules apply in Guaymas 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 Guaymas compares

Guaymas charges MX$60,000 of acquisition tax (2%) on a MX$3 million home, 20% under the MX$75,000 median of the 54 municipios computed; 7 charge less and 37 more, 9 the same.

The law applies one rate, 2%, to the taxable base, so the tax grows in step with the price: MX$20,000 on MX$1 million, MX$60,000 on MX$3 million and MX$160,000 on MX$8 million.

Inside Sonora, the nearest computed neighbours on a MX$3 million home are Puerto Peñasco MX$90,000 (MX$30,000 more). The recording fee of Sonora could not be read, so none of these totals includes it.

Tax together take 2% of a MX$3 million price, MX$60,000, which is 2.4 monthly payments of MX$25,281 and 10% on top of the MX$600,000 down payment. On a home at the state median appraisal of MX$1,175,452 the same rules give MX$23,509, 2% of the price.

Ranked from the lightest to the heaviest of the 54 areas, Guaymas is 13th: just below it in the national ranking is Cuernavaca (Morelos) at MX$60,000 and just above it is Puerto Escondido (Oaxaca) at MX$60,000. The lightest, Guanajuato, takes MX$24,144 on the same MX$3 million, so a buyer in Guaymas pays MX$35,856 more; the heaviest, Querétaro, takes MX$170,306, MX$110,306 more than Guaymas.

Beyond the three prices of this page, tax reach MX$40,000 on MX$2 million, MX$100,000 on MX$5 million and MX$240,000 on MX$12 million. Between MX$3 million and MX$8 million, each extra peso of price carries 2 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 511 UMA.

MeasureValueReferenceRank
Guaymas: Acquisition tax on MX$1 millionMX$20,000median MX$21,58815th of 54 lightest
Guaymas: Acquisition tax on MX$3 millionMX$60,000median MX$75,0008th of 54 lightest
Guaymas: Acquisition tax on MX$8 millionMX$160,000median MX$232,2396th of 54 lightest
Guaymas: Effective rate at MX$3 million2%median 2.5%8th of 54 lightest
Guaymas: Effective rate at MX$1 and 8 million2% and 2%gap 0 pointsflat
Guaymas: Tax on MX$3 million in UMA511 UMAMX$117 per UMA16.8 monthly UMA
Guaymas: Tax and fee on MX$12 millionMX$240,0002% of the price4 times the MX$3 million bill

Appraisal values, home loans and renting for the whole of Sonora are on its state page.

The figures

MeasureValueSource
Property transfer tax (ITDBI) on MX$3 millionMX$60,000Ley de Ingresos del Municipio de Guaymas 2026, art. 17 (Ley 114, B.O. 26 Dec. 2025, electronic copy hosted by the municipality)
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 Sonora are on its state page.

Elsewhere in Sonora

Sources