Baja’s real estate market spans everything from month-to-month beach rentals to full home purchases — and the rules differ meaningfully from the US, especially near the coast.
50 km
Coastal Trust Zone
5–8%
Closing Costs
50 yrs
Renewable Trust
Renting
Most rentals are arranged directly with owners or local agents rather than through a national platform — expect to pay first month + a deposit (often 1 month), sometimes in cash. Longer-term leases (6–12 months) get meaningfully better rates than short-term/ vacation pricing. Get any lease in writing, in a language you both understand, even for informal arrangements.
The Restricted Zone (Zona Restringida)
Under Mexican law, foreigners cannot directly own land within 50km of the coast or 100km of an international border — which covers nearly all of Baja California. Instead, foreign buyers use a fideicomiso, a bank trust where a Mexican bank holds legal title and you hold all beneficial rights (use, rent, sell, will to heirs), renewable in 50-year terms. Alternatively, buying through a Mexican corporation is common for investment/commercial property. Both are well-established, routine structures — not a workaround, just how foreign coastal ownership legally works here. The same rule is why long-term RV parks lease pads rather than sell them — that lighter-weight option is covered in Where to Stay.
Buying: The Basics
- A notario público (a specialized, government-licensed attorney role — not the same as a US notary) is legally required to close a property sale and verifies title, liens, and taxes.
- Get an independent title search and your own attorney to review before you sign. We'd call this the non-negotiable one — the notario works for the transaction, not for you, and the agent is paid when it closes.
- Closing costs typically run roughly 5–8% of the purchase price (acquisition tax, notario fees, trust setup if applicable, registration).
- Property tax (predial) in Mexico is notably low compared to the US — often a small fraction of a comparable US property’s tax bill.
Finding an Agent
Look for agents affiliated with AMPI (Asociación Mexicana de Profesionales Inmobiliarios), Mexico’s national real estate association. Membership signals some baseline accountability, though it isn’t a formal license requirement everywhere — so treat it as a filter, not a guarantee, and still ask how many closings they've done in the specific town you're buying in.
Want to try a season first?
Hotels, vacation rentals, and month-to-month places to stay before you commit to a year or a purchase.
Open Where to Stay →Find a local agent or attorney
Browse the Local Directory’s Real Estate and Legal categories for community-reviewed professionals rather than starting from zero.
Open Local Directory →General orientation only, not legal or financial advice. Property law, restricted-zone rules, and closing costs vary by case — always use a licensed notario público and confirm details with an attorney before signing anything.
Last updated July 2026
