Yes Americans, Can Buy Beach Property in Mexico (with zero risks). Here’s How.

buying beachfront property in mexico as an america - Buying Beachfront Property in Mexico - Mexico Real Estate Property

Guide to Buying Property in Mexico’s Restricted Zone as an American in 2024.

Yes Americans, Can Buy Beach Property in Mexico (with zero risks). Here’s How.

How To Buy Your New Beachfront Home (Or Investment Property) In Mexico

The real estate market in Mexico is very attractive. Vacationing and retiring in one of the world’s most beautiful tourist spots. Many choose to buy their new home in Mexico. With its sunny sandy beaches, crystal blue ocean, and easy lifestyle.

But many people don’t realize the unique opportunity for investment in beachfront property in Mexico. You get to enjoy an exciting new lifestyle and you can make good money if you choose. And owning beachfront property in Mexico makes other envious too.

The Mexican real estate market has its own peculiarities, like every other market. When you understand the market and its complexities you will save time and stress. As a foreigner, you depend on trustworthy real estate agents to help you navigate the market.

To find and buy your property in a foreign land, can feel difficult. With this basic information, you will feel more comfortable and confident.

Is it easy buying a home in Mexico as an American?

Can Americans own property in Mexico?

Yes. Ownership of Mexico property by Americans is through the Mexican constitution. In the 1917 constitution, foreigners could not own Mexican property. 

In 1973, a new constitution allowing Americans to have the right to own property only in the non-restricted zone in Mexico. 

But, in 1993 new constitutional amendment created a new system called Fideicomiso. This system allows Americans to buy properties in the restricted zone through the Ministry of Foreign Affairs.

Americans can therefore own residential property, land, and commercial property through a Fideicomiso.

Can Americans own land in Mexico?

The answer is yes and it’s not a hard process. There are several ways to accomplish a title transfer and the agent you work with can help guide you along the way.

Can Americans buy ejido land?

By law, foreigners are allowed to own land in Mexico. However, the most important requirement of being part of the Ejido is that you must be of a Mexican national.

Where is Mexico’s Restricted Zone?

The restricted zone is within 100 kilometers of the international borders. Also within 50 kilometres of Mexico coastline at high tide.

Mexico Restricted Zone Map:

Buying Property in Mexico in 2020 - buying property in mexico as an america
This map shows you the restricted zone in Mexico. Riviera Maya is in the coastal border restricted zone.

What is a Fideicomiso? How does it work?

Through the Fideicomiso system, an American or foreigner can buy Mexico property. A bank acts as the trustee. The bank is the legal owner while you are the beneficiary of the trust. You as the beneficiary retain all legal rights of ownership. 

As a result, you can sell, rent, and transfer your property to anyone. You can even pass it down to your children. The trust is for 50 years. You renew for another set of 50 years. You have another 10 years after those 50 years to renew the trust. 

Note: You will incur some bank charges on an annual basis. The fee is based on the value of the property you acquired.

Click here to learn more about creating a bank trust (Fideicomiso) for your Mexico Property!

buying beachfront property in mexico 2020

Can I Buy my Mexico property through a corporation?

There is another way for Americans when buying property in Mexico. This process is different to the fideicomiso system. This process is through a Mexican corporation. The company can be 100% owned by an American.

This option is often used by US foreign investors who buy large properties. Mexican corporations can own properties. With full rights of ownership in restricted areas. Mexican corporations cannot own single-family residences.

So if you are looking to invest in the real estate here, we advise you make use of this process instead.
buying property in mexico
Caribe Luxury Home Realtors showing a beachfront property to client.

Can Americans buy property in the non-restricted zone?

Yes! This it is much easier as the process is not as extensive and does not require a bank trust as the restricted zone does. To know whether the property you are wanting to acquire is in or out of the restricted zone – we recommend you consult our real estate agents who can guide you.

Can you transfer your property to someone else?

Yes. You can transfer the property to someone else. You can also have another person inherit the property. This is something you can arrange with your Mexican lawyer who helps you formalize these details for you.

Do I need a Realtor to help me when buying Property in Mexico?

Acquiring your property in Mexico is not so different from the process in the United States of America. A real estate agent helps you find your property and negotiate on your behalf. It’s much easier this way.

Another process is to visit the foreign secretary’s office to get a permit for buying your property in Mexico. The permit contains a clause that denies you from consulting a foreign jurisdiction on your property.

The most important thing in this process is to involve a reliable and trustworthy lawyer. They will help you review and verify the land deed before paying for the property. Getting your property registered is anywhere between 48 to 108 days.

Caribe Luxury homes has a lawyer on the team who helps you with all legal paperwork.

Click here if you want us to help you find your property in Mexico today.

What are the costs involved in buying Property in Mexico?

Aside from your agreed price for the property with the seller, you will incur extra costs.

Expect to incur costs like Notary costs. The notary ensures legal procedures. They ensure proper documents are present. Very important.

Other costs are the acquisition tax, title insurance, and registration fees.

Side Note: And if you own a property and you’re thinking of selling, agent fees and the relevant taxes are what you need to settle.

If you are buying a condo or apartment and you have a HOA (Homeowners association) then you will have to pay an HOA fee.

To save yourself time and hassle. We help you get a great deal on your property. By making sure you get your property legally within Mexican law as a foreigner. 

Because it’s important you seek experienced professionals to guide you.

Our experienced real estate company help you all the way. Helping you find your new home (investment property) and luxury home with ease. We want you to feel at home and safe with your new Mexico property. We are friendly and open to chat to you.

Click here to contact us today to get help with finding your property or call +52 984 804 7396. Or email

Click here if you want to know what Mexico property appreciate the most.

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