Buying a home in Jalisco: taxes, prices, loans

Calculate for Jalisco

Buying: in Jalisco the acquisition tax is set by each municipality. Payotte computes it on the pages of: Chapala, Guadalajara, Puerto Vallarta, Zapopan. Mortgage calculator.

The questions, answered

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

It depends on the municipality: on a MX$3 million home in Jalisco, MX$80,900 in Chapala, MX$85,650 in Guadalajara, MX$85,797 in Puerto Vallarta, MX$85,200 in Zapopan, under the 2026 laws read by Payotte.

Are home prices rising in Jalisco?

The SHF price index for Jalisco changed by +10.1% 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 does a home cost in Jalisco?

From January to June 2026, homes bought with a mortgage in Jalisco were appraised at a median of MX$1,200,979 and a mean of MX$2,107,232; half of them were appraised between MX$721,973 and MX$2,532,569 (SHF). These are appraisal values, not sale prices.

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

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 Jalisco?

Federal rules apply in Jalisco 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 Jalisco compares

Jalisco 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$80,900 in Chapala to MX$85,797 in Puerto Vallarta, with Zapopan MX$85,200 and Guadalajara MX$85,650 between; the spread is MX$4,897, 1.1 times the lowest. The median of all 54 areas computed is MX$75,000.

The recording fee of Jalisco depends on the state alone: MX$4,801 on MX$1 million, MX$4,801 on MX$3 million and MX$4,801 on MX$8 million, the same at every price, with a fixed part of MX$4,801.

In Jalisco, homes bought with a mortgage were appraised at a median of MX$1,200,979 from January to June 2026: the 19th highest of the 32 entities, 7.6% below the national median of MX$1,299,580. The mean, MX$2,107,232, is 1.75 times the median, a sign of a few very expensive appraisals pulling it up; the upper quartile bound is 3.5 times the lower one. In that picture, a MX$3 million purchase is above the upper quartile bound of MX$2,532,569, in the top quarter of mortgage-financed homes.

The SHF price index of Jalisco rose +10.1% in a year, 2.8 points faster than Mexico's +7.3%: 2nd of 32 entities ranked. The 2025 SNIIV count is 37,371 home loans to individuals in Jalisco, 4.5 per 1,000 residents of the 2020 census (median entity: 3.8), for an average of MX$1,186,778, 0.99 times the median appraisal. 26.3% of homes are rented there (2024), above the median entity's 14.4%, among the three highest shares.

A buyer at the state median appraisal with 20% down borrows MX$960,783; at the Banco de México average of 11.31% over 20 years that is MX$10,121 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 2,558 sampled homes of Jalisco in INEGI's ENIGH 2024, without a margin of error.

Municipalities of Jalisco on Payotte

• ChapalaMX$80,900
• GuadalajaraMX$85,650
• Puerto VallartaMX$85,797
• ZapopanMX$85,200