FREQUENTLY ASKED QUESTIONS
Your Questions Answered: Guidance for Buying Property in Mexico’s Bajio
We understand that buying property in a new country brings big questions, and you deserve honest, clear answers. This page was created to help you navigate everything from ownership laws and financing to choosing the right town or sustainable development in Mexico’s Bajío region.
Buying Property in Mexico
Buying property abroad can feel complex, but in Mexico’s Bajío region the process is more accessible than most people realize. This section covers the basics of foreign ownership, timelines, and what you need to know before making a move. Whether you’re dreaming of a colonial home in San Miguel or land in the countryside, here’s how it works.
Can foreigners own property in the Bajio region?
Yes. Unlike coastal or border zones, the Bajio is outside the restricted zone—so foreigners can hold full title in their name without a fideicomiso (bank trust).
Is it safe to invest in real estate in Mexico?
Yes, especially in well-established areas like San Miguel de Allende, Querétaro, and Guanajuato. With the right legal support and due diligence, property ownership is secure.
How long does it take to buy a home in Mexico?
The process typically takes 30 to 60 days, depending on whether it’s a cash purchase or involves additional due diligence, permits, or financing.
Can I own land and build my own home?
Yes. Foreigners can purchase land in the Bajío and work with local architects or developers to build a custom home, provided the land has clear title and proper zoning.
Financing, Costs & Legal Topics
Understanding the financial and legal side of buying real estate in Mexico is key to a smooth transaction. From closing costs and ownership structures to financing options and title verification, we break down what to expect so you can move forward with clarity and confidence
Can foreigners get a mortgage in Mexico?
It’s possible, but uncommon. Most buyers use cash, financing from their home country, or seller financing. We can refer you to financing specialists if needed.
What are the closing costs in Mexico?
Expect to pay 4–6% of the purchase price. This includes the notario, title transfer, registration, and applicable taxes.
Do I need a Mexican visa to buy property?
No. You can purchase property in Mexico with a tourist visa, though residency may be recommended if you plan to stay long-term.
How do I know the title is clean and legal?
We work with vetted notarios and legal professionals to verify title, liens, and permits before you sign. Every property we promote goes through a due diligence process.
Lifestyle, Sustainability & Relocation
The Bajío isn’t just a smart investment. It’s a lifestyle choice. This section answers common questions about daily life, healthcare, eco-conscious living, and what to expect when relocating to Central Mexico. If you're looking for a more intentional, grounded way of life, you're in the right place.
What’s it like to live full-time in the Bajio?
Expect a slower pace, friendly locals, walkable colonial towns, and a strong expat presence, especially in San Miguel, Querétaro, and Guanajuato.
Are there sustainable or eco-friendly communities in the region?
Yes. The Bajio is home to growing numbers of eco-developments with solar energy, rainwater capture, and regenerative landscaping.
Can I rent out my home on Airbnb?
In many cases, yes. Local zoning, condo rules, and permits apply. We can help you evaluate rental potential for each listing.
Is healthcare accessible in Central Mexico?
Very. The Bajío has excellent private hospitals, clinics, and wellness services, many with English-speaking staff and affordable costs.
Still Have Questions? Let’s Talk.
We know that every buyer’s situation is unique. If you're unsure where to begin or simply want honest answers from someone who has been through it, we're here to help. Book a free Zoom or phone consultation with a Bajío Homes expert and get clarity on your next steps.