Tijuana And Guadalajara Outrun Valley Of Mexico In SHF Price Data

Mexico's latest SHF housing index shows regional price pressure remaining uneven, with Guadalajara and Tijuana rising faster than the Valley of Mexico in the first half of 2026.

Mortgage Backed Values Kept Rising

SHF reported that homes acquired with mortgage credit rose 7.3 percent year on year in Q2 and 7.9 percent during the first half. The national median appraisal value in the first six months was about 1.3 million pesos.

The Metro Leaders Are Outside CDMX

Guadalajara's metropolitan index rose 11.1 percent in the first half, while Tijuana increased 9.7 percent and Monterrey 8.3 percent. The Valley of Mexico rose 4.6 percent, showing a slower pace despite ongoing affordability pressure.

Rates Limit Buyer Capacity

The average mortgage rate was about 11.42 percent in Q2. That means price growth needs to be read against monthly payment capacity, especially for households considering peripheral municipalities to escape central-city prices.

Buyer Checks

Purchasers should compare appraisal value, mortgage terms, commute cost, municipal services, water risk, flood exposure and recent local transactions. A cheaper peripheral home may not be cheaper after transport and service gaps.

Outlook

Guadalajara and Tijuana should keep attention where employment and credit support demand. In the Valley of Mexico, slower index growth may push sellers to negotiate unless wages and mortgage affordability improve.

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