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

Calculate for Baja California Sur

Buying: in Baja California Sur the acquisition tax is set by each municipality. Payotte computes it on the pages of: La Paz, Loreto, Los Cabos. Mortgage calculator.

The questions, answered

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

It depends on the municipality: on a MX$3 million home in Baja California Sur, MX$83,581 in La Paz, MX$87,431 in Loreto, MX$83,577 in Los Cabos, under the 2026 laws read by Payotte.

Are home prices rising in Baja California Sur?

The SHF price index for Baja California Sur changed by +8.7% 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 Sur?

From January to June 2026, homes bought with a mortgage in Baja California Sur were appraised at a median of MX$1,845,565 and a mean of MX$2,615,393; half of them were appraised between MX$1,317,000 and MX$2,897,733 (SHF). These are appraisal values, not sale prices.

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

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 Sur?

Federal rules apply in Baja California Sur 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 Sur compares

Baja California Sur sets no single rate: the acquisition tax is municipal, and Payotte computes 3 of its municipios. On a MX$3 million home it runs from MX$83,577 in Los Cabos to MX$87,431 in Loreto, with La Paz MX$83,581 between; the spread is MX$3,854, 1 times the lowest. The median of all 54 areas computed is MX$75,000.

The recording fee of Baja California Sur depends on the state alone: MX$4,094 on MX$1 million, MX$10,594 on MX$3 million and MX$26,844 on MX$8 million, with a fixed part of MX$844.

In Baja California Sur, homes bought with a mortgage were appraised at a median of MX$1,845,565 from January to June 2026: the 3rd highest of the 32 entities, 42% above the national median of MX$1,299,580. The mean, MX$2,615,393, is 1.42 times the median, a sign of a few very expensive appraisals pulling it up; the upper quartile bound is 2.2 times the lower one. In that picture, a MX$3 million purchase is above the upper quartile bound of MX$2,897,733, in the top quarter of mortgage-financed homes.

The SHF price index of Baja California Sur rose +8.7% in a year, 1.4 points faster than Mexico's +7.3%: 8th of 32 entities ranked. The 2025 SNIIV count is 3,281 home loans to individuals in Baja California Sur, 4.1 per 1,000 residents of the 2020 census (median entity: 3.8), for an average of MX$1,598,059, 0.87 times the median appraisal. 21% of homes are rented there (2024), above the median entity's 14.4%, 7th highest.

A buyer at the state median appraisal with 20% down borrows MX$1,476,452; at the Banco de México average of 11.31% over 20 years that is MX$15,552 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 2,726 sampled homes of Baja California Sur in INEGI's ENIGH 2024, without a margin of error.

Municipalities of Baja California Sur on Payotte

• La PazMX$83,581
• LoretoMX$87,431
• Los CabosMX$83,577