Buying a home in Baja California: taxes, prices, loans

Calculate for Baja California

Buying: in Baja California the acquisition tax is set by each municipality. Payotte computes it on the pages of: Ensenada, Mexicali, Playas de Rosarito, Tijuana. Mortgage calculator.

The questions, answered

How much acquisition tax on a MX$3 million home in Baja California?

It depends on the municipality: on a MX$3 million home in Baja California, MX$76,500 in Ensenada, MX$67,000 in Mexicali, MX$76,500 in Playas de Rosarito, MX$69,080 in Tijuana, under the 2026 laws read by Payotte.

Are home prices rising in Baja California?

The SHF price index for Baja California changed by +8.9% 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 Baja California?

From January to June 2026, homes bought with a mortgage in Baja California were appraised at a median of MX$1,587,201 and a mean of MX$2,320,797; half of them were appraised between MX$1,221,836 and MX$2,614,000 (SHF). These are appraisal values, not sale prices.

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

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 Baja California?

Federal rules apply in Baja California 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 Baja California compares

Baja California sets no single rate: the acquisition tax is municipal, and Payotte computes 4 of its municipios. On a MX$3 million home it runs from MX$67,000 in Mexicali to MX$76,500 in Playas de Rosarito, with Tijuana MX$69,080 and Ensenada MX$76,500 between; the spread is MX$9,500, 1.1 times the lowest. The median of all 54 areas computed is MX$75,000.

The recording fee of Baja California depends on the state alone: MX$12,794 on MX$1 million, MX$12,794 on MX$3 million and MX$12,794 on MX$8 million, the same at every price, with a fixed part of MX$12,794.

In Baja California, homes bought with a mortgage were appraised at a median of MX$1,587,201 from January to June 2026: the 5th highest of the 32 entities, 22.1% above the national median of MX$1,299,580. The mean, MX$2,320,797, is 1.46 times the median, a sign of a few very expensive appraisals pulling it up; the upper quartile bound is 2.1 times the lower one. In that picture, a MX$3 million purchase is above the upper quartile bound of MX$2,614,000, in the top quarter of mortgage-financed homes.

The SHF price index of Baja California rose +8.9% in a year, 1.6 points faster than Mexico's +7.3%: 7th of 32 entities ranked. The 2025 SNIIV count is 19,364 home loans to individuals in Baja California, 5.1 per 1,000 residents of the 2020 census (median entity: 3.8), for an average of MX$1,117,012, 0.7 times the median appraisal. 22.6% of homes are rented there (2024), above the median entity's 14.4%, 4th highest.

A buyer at the state median appraisal with 20% down borrows MX$1,269,761; at the Banco de México average of 11.31% over 20 years that is MX$13,375 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 4,030 sampled homes of Baja California in INEGI's ENIGH 2024, without a margin of error.

Municipalities of Baja California on Payotte

• EnsenadaMX$76,500
• MexicaliMX$67,000
• Playas de RosaritoMX$76,500
• TijuanaMX$69,080