Buying a home in Quintana Roo: taxes, prices, loans

Calculate for Quintana Roo

Buying: in Quintana Roo the acquisition tax is set by each municipality. Payotte computes it on the pages of: Bacalar, Cancún, Chetumal, Cozumel, Isla Mujeres, Playa del Carmen, Tulum. Mortgage calculator.

The questions, answered

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

It depends on the municipality: on a MX$3 million home in Quintana Roo, MX$60,000 in Bacalar, MX$90,000 in Cancún, MX$60,000 in Chetumal, MX$90,000 in Cozumel, MX$120,000 in Isla Mujeres, MX$120,000 in Playa del Carmen, MX$120,000 in Tulum, under the 2026 laws read by Payotte.

Are home prices rising in Quintana Roo?

The SHF price index for Quintana Roo changed by +9.8% 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 Quintana Roo?

From January to June 2026, homes bought with a mortgage in Quintana Roo were appraised at a median of MX$1,310,995 and a mean of MX$1,991,230; half of them were appraised between MX$1,084,000 and MX$2,230,366 (SHF). These are appraisal values, not sale prices.

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

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 Quintana Roo?

Federal rules apply in Quintana Roo 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 Quintana Roo compares

Quintana Roo sets no single rate: the acquisition tax is municipal, and Payotte computes 7 of its municipios. On a MX$3 million home it runs from MX$60,000 in Bacalar to MX$120,000 in Tulum, with Chetumal MX$60,000, Cancún MX$90,000, Cozumel MX$90,000, Isla Mujeres MX$120,000 and Playa del Carmen MX$120,000 between; the spread is MX$60,000, 2 times the lowest. The median of all 54 areas computed is MX$75,000.

The recording fee of Quintana Roo depends on the state alone: MX$7,625 on MX$1 million, MX$7,625 on MX$3 million and MX$7,625 on MX$8 million, the same at every price, with a fixed part of MX$7,625.

In Quintana Roo, homes bought with a mortgage were appraised at a median of MX$1,310,995 from January to June 2026: the 13th highest of the 32 entities, close to the national median of MX$1,299,580. The mean, MX$1,991,230, is 1.52 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$2,230,366, in the top quarter of mortgage-financed homes.

The SHF price index of Quintana Roo rose +9.8% in a year, 2.5 points faster than Mexico's +7.3%: 4th of 32 entities ranked. The 2025 SNIIV count is 20,104 home loans to individuals in Quintana Roo, 10.8 per 1,000 residents of the 2020 census (median entity: 3.8), for an average of MX$1,019,411, 0.78 times the median appraisal. 28.1% 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$1,048,796; at the Banco de México average of 11.31% over 20 years that is MX$11,048 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 2,403 sampled homes of Quintana Roo in INEGI's ENIGH 2024, without a margin of error.

Municipalities of Quintana Roo on Payotte

• BacalarMX$60,000
• CancúnMX$90,000
• ChetumalMX$60,000
• CozumelMX$90,000
• Isla MujeresMX$120,000
• Playa del CarmenMX$120,000
• TulumMX$120,000