Buying Property in Loreto: The Complete 2026 Guide

Your Complete Guide to Buying Property in Loreto

Whether you’re looking for a vacation home, retirement property, or investment opportunity, Loreto in Baja California Sur is one of Mexico’s most sought-after real estate markets. This guide covers everything you need to know — from the legal process to what properties are available right now.

Can Foreigners Buy Property in Loreto?

Yes, absolutely. Mexico welcomes foreign property buyers. For properties within 50 kilometers of the coastline (which includes all of Loreto), foreign buyers use a fideicomiso — a bank trust that gives you full ownership rights, including the right to sell, rent, renovate, and pass the property to heirs.

How the Fideicomiso Works

1. Choose your property — Work with a licensed agent to find the right fit
2. Sign a purchase agreement — Both parties agree on price and terms
3. Apply for the fideicomiso — Your agent handles the bank trust application
4. Foreign Affairs permit — The bank obtains a permit from Mexico’s Ministry of Foreign Affairs
5. Close at a notary — A Mexican notary public oversees the title transfer

The entire process typically takes 4–8 weeks. Baja Sur Realtors guides you through every step.

Closing Costs in Loreto

Expect closing costs of approximately 4–6% of the purchase price. This includes:

• Acquisition tax (ISABI): ~2% of assessed value
• Notary fees: ~1–1.5%
• Fideicomiso setup: ~$1,500–$2,500 USD (one-time)
• Annual trust fee: ~$500–$600 USD/year
• Appraisal and certificates: ~$500–$1,000 USD

What Can You Buy in Loreto Today?

Houses: 69 listings from $220K to $5.8M (median $529K). Browse houses →

Condos: 8 listings from $110K to $3.2M (median $249K). Browse condos →

Land: 49 listings from $16K to $25.0M (median $140K). Browse land →

Commercial: 1 listings from $331K to $331K (median $331K). Browse commercial →

Best Neighborhoods in Loreto

Popular areas include Loreto Bay (Nopoló), the downtown historic area, and surrounding communities. Loreto Bay offers resort-style living with golf and marina access.

Why Buy in Loreto?

• Year-round sunshine — 350+ days of sun per year
• Growing market — Consistent property appreciation in Baja California Sur
• Rental income — Strong vacation rental demand from tourists
• Lifestyle — World-class beaches, golf, fishing, and dining
• Proximity to the US — 2-hour flight from Los Angeles, Dallas, and other major cities

Ready to Start Your Property Search?

With years of proven experience in the BCS luxury market, Baja Sur Realtors is the trusted partner for international buyers navigating Loreto real estate. From your first property tour to closing day, our expert team handles everything.

• Search 127 active MLS listings in Loreto →
• Phone: +52 1 612 288 9722
• WhatsApp: +52 1 624 622 3489

Guide updated March 2026 with live MLS data.

More About Loreto Real Estate

• Loreto Market Report
• Loreto Price Guide
• Luxury Properties in Loreto
• Retiring in Loreto
• Understanding the Fideicomiso: How Foreigners Buy in Mexico
• Where to Buy in Baja California Sur — Location Comparison