Buying a home in Nayarit: taxes, prices, loans

Calculate for Nayarit

Buying: in Nayarit the acquisition tax is set by each municipality. Payotte computes it on the pages of: Bahía de Banderas, Tepic. Mortgage calculator.

The questions, answered

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

It depends on the municipality: on a MX$3 million home in Nayarit, MX$60,000 in Bahía de Banderas, MX$60,000 in Tepic, under the 2026 laws read by Payotte.

Are home prices rising in Nayarit?

The SHF price index for Nayarit changed by +9.5% 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 Nayarit?

From January to June 2026, homes bought with a mortgage in Nayarit were appraised at a median of MX$1,529,958 and a mean of MX$2,256,263; half of them were appraised between MX$1,176,055 and MX$2,456,575 (SHF). These are appraisal values, not sale prices.

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

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 Nayarit?

Federal rules apply in Nayarit 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 Nayarit compares

Nayarit sets no single rate: the acquisition tax is municipal, and Payotte computes 2 of its municipios. On a MX$3 million home it runs from MX$60,000 in Bahía de Banderas to MX$60,000 in Tepic; the spread is MX$0, 1 times the lowest. The median of all 54 areas computed is MX$75,000.

The recording fee of Nayarit depends on the state alone: MX$15,461 on MX$1 million, MX$15,461 on MX$3 million and MX$15,461 on MX$8 million, the same at every price, with a fixed part of MX$15,461.

In Nayarit, homes bought with a mortgage were appraised at a median of MX$1,529,958 from January to June 2026: the 6th highest of the 32 entities, 17.7% above the national median of MX$1,299,580. The mean, MX$2,256,263, is 1.47 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$2,456,575, in the top quarter of mortgage-financed homes.

The SHF price index of Nayarit rose +9.5% in a year, 2.2 points faster than Mexico's +7.3%: 5th of 32 entities ranked. The 2025 SNIIV count is 3,961 home loans to individuals in Nayarit, 3.2 per 1,000 residents of the 2020 census (median entity: 3.8), for an average of MX$1,195,924, 0.78 times the median appraisal. 17% of homes are rented there (2024), above the median entity's 14.4%, 10th highest.

A buyer at the state median appraisal with 20% down borrows MX$1,223,966; at the Banco de México average of 11.31% over 20 years that is MX$12,893 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 2,108 sampled homes of Nayarit in INEGI's ENIGH 2024, without a margin of error.

Municipalities of Nayarit on Payotte

• Bahía de BanderasMX$60,000
• TepicMX$60,000