Living in Mexico
Can foreigners buy coastal property in Mexico? A fideicomiso FAQ
Understand the restricted zone, the bank trust and the checks to make before a coastal purchase.
Bahía Journal · October 17, 2026
What is the restricted zone?
SRE describes the restricted zone as land within 100 kilometers of an international border or 50 kilometers of a coast. Foreign nationals cannot hold direct title to land and water in that zone. For residential property, a bank trust authorized by SRE can provide the foreign beneficiary with use and enjoyment of the property. This is why fideicomisos matter to a coastal search in Vallarta.
Is a trust the same as direct title?
No. The bank acts as trustee and the beneficiary’s rights are set out in the trust deed. SRE’s permit guidance describes a maximum trust term of 50 years and formalization through a public deed. Ask independent Mexican counsel and the notary to explain the exact rights, obligations and renewal process in the proposed document.
What should I check before paying a deposit?
Have qualified professionals confirm the title, land status, permitted use, outstanding obligations and the proposed closing structure. Request the bank’s fees and the notary’s itemized estimate rather than using a generic percentage from a travel guide. Immigration status and property rights are separate questions: a purchase should not be assumed to grant residency. This guide explains the framework, not the suitability of an individual property.
Sources & references
Reviewed October 17, 2026. Rules and event programs can change; confirm details with the original source.