Can a US Citizen Buy a House in Mexico?

Can a US Citizen Buy a House in Mexico: featured image

If you are a US citizen and have been thinking about buying a house in Mexico, you may be wondering if it is possible for you to do so.

The answer is yes, US citizens can buy property in Mexico, but there are certain legal and practical considerations to keep in mind.

In this article, we will explore the process of buying property in Mexico as a US citizen and the rules and regulations that you need to be aware of.

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    Can a US Citizen Own Property in Mexico?

    The short answer is yes, US citizens can own property in Mexico.

    In fact, Mexico welcomes foreign investment in its real estate market, and there are no restrictions on foreigners owning property in Mexico, including US citizens.

    However, there are some restrictions on where you can buy property as a foreigner.

    The Mexican Constitution prohibits foreigners from owning property within 100 kilometers of the country’s borders and within 50 kilometers of its coastlines.

    This is known as the “restricted zone,” and it was established to protect Mexico’s national security and natural resources.

    If you want to buy property within the restricted zone, you will need to do so through a Mexican bank trust or a “fideicomiso.”

    A fideicomiso is a legal arrangement in which a Mexican bank holds the title to the property in trust for the foreign buyer.

    The buyer retains all of the rights of ownership, including the ability to sell or rent the property, but the bank holds the legal title.

    The fideicomiso must be renewed every 50 years, but it can be transferred or sold to another foreign buyer.

    How to Buy Property in Mexico as a US Citizen

    If you want to buy property in Mexico as a US citizen, there are several steps you need to follow:

    Find a reputable real estate agent

    Look for a licensed real estate agent who is experienced in working with foreigners. A good agent can help you navigate the legal and practical aspects of buying property in Mexico and can provide valuable advice on local market conditions, property values, and financing options.

    Choose a location

    Mexico is a large country with a diverse range of regions and cities, each with its own unique culture, climate, and attractions. Consider what you are looking for in a property and choose a location that meets your needs and preferences.

    Some popular locations for US buyers include Playa del Carmen, Tulum, and Cancun. Actually, we could say the whole Riviera Maya real estate market is booming.

    Hire a Mexican attorney

    It is important to have a Mexican attorney who specializes in real estate transactions review your purchase agreement and title search. The attorney can also advise you on the legal and tax implications of buying property in Mexico.
    Obtain financing

    If you need financing to purchase your property, you may be able to obtain a mortgage from a Mexican bank. However, the interest rates and terms may be different from those in the US, so it is important to shop around and compare offers.

    Buying Property in Mexico as a US Citizen

    When buying property in Mexico as a US citizen, there are several important factors to consider to minimize the risk of the acquisition.

    Title searches

    Before buying any property in Mexico, it is important to conduct a thorough title search to ensure that the seller has a clear title to the property and that there are no liens or encumbrances on the property. This is particularly important if you are buying property in a fideicomiso.

    Property taxes

    As a property owner in Mexico, you will be responsible for paying property taxes. These taxes are generally lower than in the US, but they vary by location and can be higher in popular tourist areas. Your real estate agent or attorney can provide guidance on the local tax laws and rates.

    Homeowners’ associations

    Many properties in Mexico are part of a homeowners’ association (HOA), which provides services such as maintenance, security, and amenities. If the property you are considering is part of an HOA, be sure to review the HOA rules and fees before making an offer.


    It is important to obtain property insurance in Mexico to protect your investment. Your real estate agent or attorney can recommend reputable insurance providers and help you understand the coverage options and costs.

    Owning Property in Mexico as a US Citizen

    Once you have purchased your property in Mexico, there are several things you need to keep in mind as a US citizen.


    In addition to property taxes, you may be subject to Mexican income tax if you rent out your property or earn income from it in other ways. You may also need to report your Mexican assets and income to the US Internal Revenue Service (IRS) and pay US taxes on them. It is important to consult with a tax professional who is familiar with the tax laws of both countries.


    Owning a property in Mexico requires ongoing maintenance and upkeep. If you live in the US, you will need to arrange for someone to manage your property in your absence or plan to visit regularly to take care of it yourself.


    While Mexico is generally a safe country, there are certain areas that are more prone to crime and violence. It is important to take appropriate security measures, such as installing security cameras, hiring a security guard, or joining a neighborhood watch group.

    Cultural differences

    Mexico has a rich and diverse culture, and living there as a foreigner can be both exciting and challenging. It is important to learn about the local customs and traditions and respect them in your daily life.

    Can a US Citizen Buy a House in Mexico? Summary

    Buying property in Mexico as a US citizen is possible, but it requires careful planning and research.

    By working with a reputable real estate agent and attorney, conducting thorough due diligence, and understanding the legal and practical considerations, you can make a smart investment and enjoy the benefits of owning a property in this beautiful country.

    Whether you are looking for a vacation home, a retirement destination, or a rental property, Mexico offers a wide range of options and opportunities for US buyers.

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    About The Author
    Oswaldo Ortega

    Hi there! I'm Oswaldo Ortega González, a 34-year-old real estate agent based in the stunning Riviera Maya. Originally hailing from Mexico City, I've immersed myself in the beauty of this coastal paradise for the past 5 years. With an equal 5-year span in the real estate sector, my journey here has been nothing short of remarkable. Before diving into the world of properties, I worked in retail onboard cruise ships, which was quite the adventure. But my real estate calling was ignited by a deep desire to help people discover the immense potential in real estate investments. I've always believed in the power of real estate to pave the way to financial freedom, and I'm excited to guide others on this path. When I'm not busy exploring the world of properties, you can often find me engrossed in a good book or working up a sweat through exercise. And when it comes to satisfying my taste buds, nothing beats the tantalizing flavors of Tacos de pastor. The driving force behind everything I do is the simple yet powerful desire to create unique and unforgettable experiences with my family and loved ones. It's what motivates me each day as I help my clients make their real estate dreams a reality in the breathtaking Riviera Maya.