Municipality · Sonora

Buying a home in Puerto Peñasco: 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 Puerto Peñasco (Sonora), the acquisition tax is MX$90,000 (3% 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).

Calculate for Puerto Peñasco

If you buy

Acquisition tax, recording fee and loan in Puerto Peñasco

Rates of Ley de Ingresos del Municipio de Puerto Peñasco 2026, art. 16 (text approved by the Sonora Congress, Gaceta 2072, 13 Dec. 2025). Change any field: the amounts are recalculated instantly.

Value taxedMX$3,000,000
Acquisition taxMX$90,000
Recording fee (Registro Público)not read
Total of the lines aboveat least MX$90,000
Loan with 20% downMX$2,400,000
Monthly payment, 20 years at 11.31%MX$25,281

The rate of the bracket applies to the whole base: a value of MX$2,500,000.01 or more is taxed at 3% on all of it. Read in the text approved by the state Congress; the official gazette of Sonora could not be reached to compare the published version. 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 Puerto Peñasco?

On a MX$3 million home in Puerto Peñasco (Sonora), taxed on the highest of an appraisal (under 6 months), the cadastral value and the price, the buyer pays property transfer tax (ITDBI) MX$90,000: at least MX$90,000 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 Puerto Peñasco?

On a MX$8 million home in Puerto Peñasco (Sonora): property transfer tax (ITDBI) MX$240,000, at least MX$240,000 in all, before notary fees.

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

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 Puerto Peñasco?

Federal rules apply in Puerto Peñasco 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 Puerto Peñasco compares

On a MX$3 million home the acquisition tax of Puerto Peñasco is MX$90,000 (3%), 20% above the MX$75,000 median of the 54 municipios computed; 11 charge more and 39 less, 3 the same.

The law picks one rate for the whole base according to the bracket it falls in, so the tax runs MX$25,000 on MX$1 million, MX$90,000 on MX$3 million and MX$240,000 on MX$8 million: the effective rate goes from 2.5% to 3% across that range.

Inside Sonora, the nearest computed neighbours on a MX$3 million home are Guaymas MX$60,000 (MX$30,000 less). The recording fee of Sonora could not be read, so none of these totals includes it.

Tax together take 3% of a MX$3 million price, MX$90,000, which is 3.6 monthly payments of MX$25,281 and 15% 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$29,386, 2.5% of the price.

Ranked from the lightest to the heaviest of the 54 areas, Puerto Peñasco is 42nd: just below it in the national ranking is Cozumel (Quintana Roo) at MX$90,000 and just above it is Saltillo (Coahuila) at MX$90,000. The lightest, Guanajuato, takes MX$24,144 on the same MX$3 million, so a buyer in Puerto Peñasco pays MX$65,856 more; the heaviest, Querétaro, takes MX$170,306, MX$80,306 more than Puerto Peñasco.

Beyond the three prices of this page, tax reach MX$50,000 on MX$2 million, MX$150,000 on MX$5 million and MX$360,000 on MX$12 million. Between MX$3 million and MX$8 million, each extra peso of price carries 3 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 767 UMA.

MeasureValueReferenceRank
Puerto Peñasco: Acquisition tax on MX$1 millionMX$25,000median MX$21,58832nd of 54 lightest
Puerto Peñasco: Acquisition tax on MX$3 millionMX$90,000median MX$75,00040th of 54 lightest
Puerto Peñasco: Acquisition tax on MX$8 millionMX$240,000median MX$232,23931st of 54 lightest
Puerto Peñasco: Effective rate at MX$3 million3%median 2.5%40th of 54 lightest
Puerto Peñasco: Effective rate at MX$1 and 8 million2.5% and 3%gap 0.5 pointsrising
Puerto Peñasco: Tax on MX$3 million in UMA767 UMAMX$117 per UMA25.2 monthly UMA
Puerto Peñasco: Tax and fee on MX$12 millionMX$360,0003% 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$90,000Ley de Ingresos del Municipio de Puerto Peñasco 2026, art. 16 (text approved by the Sonora Congress, Gaceta 2072, 13 Dec. 2025)
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