In short
On a MX$3 million home in Playa del Carmen (Quintana Roo), the acquisition tax is MX$120,000 (4% of the value) and the fee to record the deed MX$7,625, under its 2026 law. Appraisal values in Playa del Carmen changed by +10% 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 Playa del Carmen
The questions, answered
How much tax and recording fee on a MX$3 million home in Playa del Carmen?
On a MX$3 million home in Playa del Carmen (Quintana Roo), taxed on the highest of the updated price, the cadastral appraisal (under 180 days), an appraisal validated by the state and the last declared value, the buyer pays property acquisition tax (ISABI) MX$120,000, recording fee, Registro Público de la Propiedad MX$7,625: MX$127,625 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 Playa del Carmen?
On a MX$8 million home in Playa del Carmen (Quintana Roo): property acquisition tax (ISABI) MX$320,000, recording fee, Registro Público de la Propiedad MX$7,625, MX$327,625 in all, before notary fees.
Are home prices rising in Playa del Carmen?
The SHF price index for Playa del Carmen (Quintana Roo) changed by +10% 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 Playa del Carmen?
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 Playa del Carmen?
Federal rules apply in Playa del Carmen 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 Playa del Carmen compares
On a MX$3 million home the acquisition tax of Playa del Carmen is MX$120,000 (4%), 60% above the MX$75,000 median of the 54 municipios computed; 2 charge more and 47 less, 4 the same.
The law applies one rate, 4%, to the taxable base, so the tax grows in step with the price: MX$40,000 on MX$1 million, MX$120,000 on MX$3 million and MX$320,000 on MX$8 million.
Inside Quintana Roo, the nearest computed neighbours on a MX$3 million home are Isla Mujeres MX$120,000 (same), Tulum MX$120,000 (same), Cancún MX$90,000 (MX$30,000 less), Cozumel MX$90,000 (MX$30,000 less), Bacalar MX$60,000 (MX$60,000 less) and Chetumal MX$60,000 (MX$60,000 less). The MX$7,625 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 4.25% of a MX$3 million price, MX$127,625, which is 5 monthly payments of MX$25,281 and 21.3% on top of the MX$600,000 down payment. On a home at the state median appraisal of MX$1,310,995 the same rules give MX$60,065, 4.58% of the price.
Ranked from the lightest to the heaviest of the 54 areas, Playa del Carmen is 49th: just below it in the national ranking is Isla Mujeres at MX$120,000 and just above it is Progreso (Yucatán) at MX$120,000. The lightest, Guanajuato, takes MX$24,144 on the same MX$3 million, so a buyer in Playa del Carmen pays MX$95,856 more; the heaviest, Querétaro, takes MX$170,306, MX$50,306 more than Playa del Carmen.
Beyond the three prices of this page, tax and fee reach MX$87,625 on MX$2 million, MX$207,625 on MX$5 million and MX$487,625 on MX$12 million. Between MX$3 million and MX$8 million, each extra peso of price carries 4 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 1,023 UMA and the recording fee 65.
The SHF index of Playa del Carmen itself moved +10% in a year, ahead of Quintana Roo (+9.8%) and above Mexico (+7.3%): 1st of the 36 cities with an index of their own.
| Measure | Value | Reference | Rank |
|---|---|---|---|
| Playa del Carmen: Acquisition tax on MX$1 million | MX$40,000 | median MX$21,588 | 49th of 54 lightest |
| Playa del Carmen: Acquisition tax on MX$3 million | MX$120,000 | median MX$75,000 | 48th of 54 lightest |
| Playa del Carmen: Acquisition tax on MX$8 million | MX$320,000 | median MX$232,239 | 46th of 54 lightest |
| Playa del Carmen: Effective rate at MX$3 million | 4% | median 2.5% | 48th of 54 lightest |
| Playa del Carmen: Effective rate at MX$1 and 8 million | 4% and 4% | gap 0 points | flat |
| Playa del Carmen: Tax on MX$3 million in UMA | 1,023 UMA | MX$117 per UMA | 33.6 monthly UMA |
| Playa del Carmen: Recording fee on MX$3 million | MX$7,625 | 0.25% of the price | 6.4% of the tax |
| Playa del Carmen: Tax and fee on MX$3 million | MX$127,625 | 4.25% of the price | 49th of 54 lightest |
| Playa del Carmen: Tax and fee on MX$12 million | MX$487,625 | 4.06% of the price | 3.8 times the MX$3 million bill |
| SHF index, Playa del Carmen | +10% | Mexico +7.3% | 1st of 36 |
Appraisal values, home loans and renting for the whole of Quintana Roo are on its state page.
The figures
| Measure | Value | Source |
|---|---|---|
| Property acquisition tax (ISABI) on MX$3 million | MX$120,000 | Ley de Hacienda del Municipio de Playa del Carmen (formerly Solidaridad), Quintana Roo, art. 23 Quáter-Quinquies (reformed POE 10 Dec. 2025) |
| Recording fee, Registro Público de la Propiedad on MX$3 million | MX$7,625 | Ley de Derechos del Estado de Quintana Roo, art. 29-I (last reform 18 Dec. 2025) |
| SHF price index, Playa del Carmen, change over a year | +10% | 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 Quintana Roo are on its state page.
Elsewhere in Quintana Roo
Sources
- Acquisition tax: Ley de Hacienda del Municipio de Playa del Carmen (formerly Solidaridad), Quintana Roo, art. 23 Quáter-Quinquies (reformed POE 10 Dec. 2025); the calculator.
- Recording fee: Ley de Derechos del Estado de Quintana Roo, art. 29-I (last reform 18 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.