Buyer's Guide
How to buy property in Mexico
A complete guide for international buyers — from choosing your destination to signing at the notario. Every step explained in plain English.
RECertified
Mexico Real Estate
Choose your location
Select your region to view developers, services, and certification information relevant to your area. Mexico offers dramatically different markets — from the border region near Tijuana and Rosarito to the Caribbean beaches of Isla Mujeres and the Pacific coast of Nayarit. Each region has unique legal requirements and lifestyle advantages.
Understand the Fideicomiso
Foreign nationals cannot directly own property in Mexico's 'restricted zone' — within 50km of any coastline or 100km of any border. Instead, ownership is held through a bank trust called a Fideicomiso. The bank acts as trustee while you hold all ownership rights including renting, selling, and improving the property. Setup costs typically range from $1,500–$2,500 USD with annual fees of $500–$800 USD.
Due diligence & title search
Every Property Dreamz listing has passed a CM RE certification review covering judicial records, title history, developer background, and HOA financial health. Before signing anything, your notary (notario público) will conduct an independent title search. Budget 1–2% of the purchase price for notary and closing fees.
Financing & payment
Most international buyers purchase with cash or wire transfers. Mexican mortgages are available but typically carry higher rates. Some developers offer in-house financing for pre-sale inventory at competitive terms. Always verify funds transfer instructions with your notary directly — wire fraud is a known risk in real estate transactions.
Closing & title transfer
Closing is handled before a Mexican notario público who is a government-certified attorney. They verify identities, confirm the deed, calculate taxes, and register the transfer with the Public Registry of Property. Allow 30–60 days from signed purchase agreement to title transfer. You'll need a valid passport and RFC (Mexican tax ID) for the transaction.
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Common questions
FAQ
Can Americans legally own property in Mexico?
Yes. Through a Fideicomiso (bank trust) in the restricted zone, or direct ownership inland. There are no restrictions on the number of properties you can own.
How long does the buying process take?
Typically 30–90 days from signed purchase agreement to title registration. Pre-sale developments may have longer timelines tied to construction completion.
What taxes apply when buying?
ISAI (Impuesto Sobre Adquisición de Inmuebles) is typically 2–4% of the purchase price depending on the state. Annual property tax (predial) is minimal — usually under $500 USD/year for residential property.
Do I need a Mexican bank account?
Not necessarily for the purchase, but helpful for paying ongoing costs like HOA, predial, and utilities. Several banks (Intercam, Banorte) offer accounts to non-residents.
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