In short
On a MX$3 million home in Zacatecas (Zacatecas), the acquisition tax is MX$63,000 (2.1% of the value) and the fee to record the deed MX$4,274, under its 2026 law. Appraisal values in Zacatecas changed by +5.1% 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 Zacatecas
The questions, answered
How much tax and recording fee on a MX$3 million home in Zacatecas?
On a MX$3 million home in Zacatecas (Zacatecas), taxed on the highest of the declared value, the cadastral appraisal and a bank appraisal, the buyer pays property acquisition tax (ISABI) MX$63,000, recording fee, Registro Público de la Propiedad MX$4,274: at least MX$67,274 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 Zacatecas?
On a MX$8 million home in Zacatecas (Zacatecas): property acquisition tax (ISABI) MX$168,000, recording fee, Registro Público de la Propiedad MX$4,274, at least MX$172,274 in all, before notary fees.
Are home prices rising in Zacatecas?
The SHF price index for Zacatecas (Zacatecas) changed by +5.1% 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 Zacatecas?
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 Zacatecas?
Federal rules apply in Zacatecas 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 Zacatecas compares
Zacatecas charges MX$63,000 of acquisition tax (2.1%) on a MX$3 million home, 16% under the MX$75,000 median of the 54 municipios computed; 19 charge less and 34 more.
The law applies one rate, 2.1%, to the taxable base, so the tax grows in step with the price: MX$21,000 on MX$1 million, MX$63,000 on MX$3 million and MX$168,000 on MX$8 million.
Zacatecas is the only municipio of Zacatecas whose acquisition tax Payotte computes. The recording fee, MX$4,274 on MX$3 million, is set by the state and comes on top.
Tax and recording fee together take 2.24% of a MX$3 million price, MX$67,274, which is 2.7 monthly payments of MX$25,281 and 11.2% on top of the MX$600,000 down payment. On a home at the state median appraisal of MX$1,030,960 the same rules give MX$25,924, 2.51% of the price.
Ranked from the lightest to the heaviest of the 54 areas, Zacatecas is 20th: just below it in the national ranking is Chihuahua (Chihuahua) at MX$62,775 and just above it is Oaxaca de Juárez (Oaxaca) at MX$64,709. The lightest, Guanajuato, takes MX$24,144 on the same MX$3 million, so a buyer in Zacatecas pays MX$38,856 more; the heaviest, Querétaro, takes MX$170,306, MX$107,306 more than Zacatecas.
Beyond the three prices of this page, tax and fee reach MX$46,274 on MX$2 million, MX$109,274 on MX$5 million and MX$256,274 on MX$12 million. Between MX$3 million and MX$8 million, each extra peso of price carries 2.1 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 537 UMA and the recording fee 36.
The SHF index of Zacatecas itself moved +5.1% in a year, behind Zacatecas (+6.1%) and below Mexico (+7.3%): 33rd of the 36 cities with an index of their own.
| Measure | Value | Reference | Rank |
|---|---|---|---|
| Zacatecas: Acquisition tax on MX$1 million | MX$21,000 | median MX$21,588 | 26th of 54 lightest |
| Zacatecas: Acquisition tax on MX$3 million | MX$63,000 | median MX$75,000 | 20th of 54 lightest |
| Zacatecas: Acquisition tax on MX$8 million | MX$168,000 | median MX$232,239 | 18th of 54 lightest |
| Zacatecas: Effective rate at MX$3 million | 2.1% | median 2.5% | 20th of 54 lightest |
| Zacatecas: Effective rate at MX$1 and 8 million | 2.1% and 2.1% | gap 0 points | flat |
| Zacatecas: Tax on MX$3 million in UMA | 537 UMA | MX$117 per UMA | 17.7 monthly UMA |
| Zacatecas: Recording fee on MX$3 million | MX$4,274 | 0.14% of the price | 6.8% of the tax |
| Zacatecas: Tax and fee on MX$3 million | MX$67,274 | 2.24% of the price | 13th of 54 lightest |
| Zacatecas: Tax and fee on MX$12 million | MX$256,274 | 2.14% of the price | 3.8 times the MX$3 million bill |
| SHF index, Zacatecas | +5.1% | Mexico +7.3% | 33rd of 36 |
Appraisal values, home loans and renting for the whole of Zacatecas are on its state page.
The figures
| Measure | Value | Source |
|---|---|---|
| Property acquisition tax (ISABI) on MX$3 million | MX$63,000 | Ley de Ingresos del Municipio de Zacatecas 2026, art. 52 (Decreto 308, P.O. 105 supplement 61, 31 Dec. 2025) |
| Recording fee, Registro Público de la Propiedad on MX$3 million | MX$4,274 | Ley de Hacienda del Estado de Zacatecas, art. 102 (amounts reformed 31 Dec. 2025; last reform 22 Aug. 2026) |
| SHF price index, Zacatecas, change over a year | +5.1% | 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 Zacatecas are on its state page.
Elsewhere in Zacatecas
Sources
- Acquisition tax: Ley de Ingresos del Municipio de Zacatecas 2026, art. 52 (Decreto 308, P.O. 105 supplement 61, 31 Dec. 2025); the calculator.
- Recording fee: Ley de Hacienda del Estado de Zacatecas, art. 102 (amounts reformed 31 Dec. 2025; last reform 22 Aug. 2026).
- 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.