Buying a home in Monterrey: tax, fees, prices

Calculate for Monterrey

Buying: Payotte does not compute the acquisition tax in Monterrey yet, because the 2026 law could not be read at an official source. The municipal treasury or the notary gives the amount; the mortgage calculator works everywhere. Mortgage calculator.

The questions, answered

How much acquisition tax in Monterrey?

Payotte does not compute it yet. Monterrey and San Pedro Garza García (Nuevo León): the state law read (a 2023 copy) sets 3% and lets municipalities subsidise the part above 2%; the state congress site, the 2026 revenue law and the municipal tariffs could not be reached. Payotte publishes no figure it has not read; the municipal treasury or the notary gives the amount.

Are home prices rising in Monterrey?

The SHF price index for Monterrey (Nuevo León) changed by +6.4% 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 does a home cost in Nuevo León?

From January to June 2026, homes bought with a mortgage in Nuevo León were appraised at a median of MX$1,214,074 and a mean of MX$2,042,664; half of them were appraised between MX$803,858 and MX$2,233,216 (SHF). These are appraisal values, not sale prices.

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

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 Monterrey?

Federal rules apply in Monterrey 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 Monterrey compares

Monterrey is one of 7 municipios of the section whose acquisition tax is not computed: Monterrey and San Pedro Garza García (Nuevo León): the state law read (a 2023 copy) sets 3% and lets municipalities subsidise the part above 2%; the state congress site, the 2026 revenue law and the municipal tariffs could not be reached. No municipio of Nuevo León is computed yet, so the page carries the state and index figures only. Across the section, 54 areas are computed and the median acquisition tax on MX$3 million is MX$75,000.

In Nuevo León, homes bought with a mortgage were appraised at a median of MX$1,214,074 from January to June 2026: the 18th highest of the 32 entities, 6.6% below the national median of MX$1,299,580. The mean, MX$2,042,664, is 1.68 times the median, a sign of a few very expensive appraisals pulling it up; the upper quartile bound is 2.8 times the lower one. In that picture, a MX$3 million purchase is above the upper quartile bound of MX$2,233,216, in the top quarter of mortgage-financed homes.

The SHF index of Monterrey itself moved +6.4% in a year, behind Nuevo León (+7.6%) and below Mexico (+7.3%), 26th of the 36 cities with an index of their own. The 2025 SNIIV count is 41,019 home loans to individuals in Nuevo León, 7.1 per 1,000 residents of the 2020 census (median entity: 3.8), for an average of MX$1,171,232, 0.96 times the median appraisal. 17.8% of homes are rented there (2024), above the median entity's 14.4%, 9th highest.

A buyer at the state median appraisal with 20% down borrows MX$971,259; at the Banco de México average of 11.31% over 20 years that is MX$10,231 a month, against MX$25,281 for the MX$3 million example of this page.

The figures

The SHF publishes home prices in pesos by state only; for a municipality it publishes an index, not a price. The share of rented homes is Payotte's weighted count on 3,767 sampled homes of Nuevo León in INEGI's ENIGH 2024, without a margin of error.

Elsewhere in Nuevo León

• Nuevo Leónstate