Querencia San José del Cabo Ownership Guide for U.S. Buyers
Karla & Erick | Cabo Realty | Century 21 Paradise Properties
How does buying in Querencia work for Americans? U.S. buyers own through a fideicomiso (bank trust), as in any coastal area of Mexico. Owning a home gives you the right to apply for a Golf or Social membership; Querencia no longer sells memberships to non-owners. On top of the purchase, plan for HOA dues that vary by neighborhood, property taxes Querencia estimates at about 0.1% of the home’s value, utilities, insurance and property management. There’s no developer financing, and if you rent your home, your renters can’t use the amenities. This guide explains each point for buyers from California, Texas and Arizona.
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| ~650 Homes and condos in the master plan |
~0.1% Estimated annual property tax |
| ~25 min To Los Cabos International Airport |
24/7 Security |
Foreigners buy near the coast in Mexico through a fideicomiso, a bank trust that gives you full rights to use, sell, rent or pass on the property. In Querencia, the sales team helps buyers find a licensed attorney, set up the fideicomiso and understand future tax considerations.
Financing: Querencia doesn’t offer developer financing. Plan to buy with cash or arrange outside financing.
| Question | Answer |
|---|---|
| Does buying include membership? | No. Owners can apply for a Golf or Social membership, subject to approval. |
| Can non-owners join? | No. Querencia no longer offers non-resident memberships. |
| Are membership dues separate from HOA? | Yes. Club dues and HOA dues are separate costs. |
For membership types, costs and benefits, read Querencia Golf Membership: Costs and Benefits.
| Cost | What to Know |
|---|---|
| HOA dues | Cover maintenance and improvement of common areas; vary by neighborhood |
| Property tax | Querencia estimates about 0.1% of the home’s value per year |
| Club dues | Only if you join as a Golf or Social member |
| Utilities and insurance | Electricity, water, internet and home insurance |
| Property management | Optional, through Querencia Property Management or another provider |
Ask for the HOA dues of the specific neighborhood before making an offer. See current prices in Querencia Real Estate: Homes, Condos & Lot Prices.
Yes, some owners rent their homes. But renters can’t use the amenities (Clubhouse, Beach Club, golf and more). Only Members’ guests can use them, and only when they’re with the Member. If rental income is a big part of your plan, factor this in.
| Destination | Approx. Drive |
|---|---|
| Downtown San José del Cabo | ~10 min |
| Los Cabos International Airport | ~25 min |
| Cabo San Lucas | ~30 min |
Drive times are Querencia’s estimates and depend on traffic. Members also have a community physician and an onsite medical office, 24/7 security and concierge. Hospital H+ and private schools are nearby. See Hospitals Near Palmilla and Top Schools for Expats in San José del Cabo.
To see the amenities that come with membership, read Querencia Amenities and Club Lifestyle Guide. For the whole community, see our Querencia community guide.
Yes. Foreign buyers own through a fideicomiso (bank trust), which gives full ownership rights.
No. Owners can apply for a Golf or Social membership, subject to approval.
No. Querencia no longer offers non-resident memberships.
Querencia estimates about 0.1% of the home’s value per year. Confirm for the specific property.
No. Only Members and their guests, when they’re with the Member.
No. Buyers pay cash or arrange outside financing.
We help buyers from California, Texas and Arizona through the whole purchase in Querencia, from choosing the neighborhood to closing.
Sources: Querencia official website, Ownership page and FAQ. Information verified October 2026.
Disclaimer: This is general information, not legal or tax advice. Membership rules, HOA dues, taxes and rental policies are set by Querencia and may change; confirm during your purchase. Karla & Erick are MLS members with Century 21 Paradise Properties and are not affiliated with Querencia.
Karla & Erick | Cabo Realty | Century 21 Paradise Properties
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