Campbellton is the urban centre of the Restigouche Region, sitting on the Restigouche River across from Pointe-à-la-Croix, Quebec. A gateway community between New Brunswick and Quebec's Gaspé Peninsula.
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Get KOHO Free — Use Code 45ET55JSYACampbellton sits at the head of Chaleur Bay on the Restigouche River, directly across from Pointe-à-la-Croix, Quebec. With a population of approximately 7,000, Campbellton is the urban centre for Restigouche County and the broader upper Chaleur/lower Gaspé corridor. The Trans-Canada Highway runs through Campbellton, making it a transit hub between New Brunswick and Quebec.
The city is bilingual, reflecting its location at the English/French linguistic border of eastern Canada. Economic activity includes healthcare at the Campbellton Regional Hospital, retail, forestry, and light industry. Like much of northeastern New Brunswick, Campbellton has experienced economic challenges as traditional industries have declined.
The cross-border economic relationship with Pointe-à-la-Croix (on the Quebec side) means some Campbellton residents maintain accounts at Quebec caisses populaires, though the Acadian cooperative banking system — UNI Financial/Caisse populaire — serves well on the New Brunswick side.
Campbellton residents who work or shop in Quebec regularly benefit from banking institutions with strong presence in both provinces. National banks (TD, Scotiabank, RBC) provide seamless service across the NB-Quebec border. KOHO works identically in both provinces with no cross-province complications.
Campbellton offers very affordable housing — some of the lowest prices in Atlantic Canada. The NB DTT of 1.0% on a $175,000 assessed value amounts to approximately $1,750. For buyers from larger markets, Campbellton's real estate represents extraordinary value, though limited employment opportunities have constrained demand growth.
Rural Restigouche County communities — Dalhousie, Tide Head, Kedgwick, Saint-Quentin — have limited branch banking. KOHO and EQ Bank provide complete digital banking from any smartphone. In an area with spotty internet connectivity in some rural zones, mobile banking apps with offline capability are particularly valuable.
The New Brunswick deed transfer tax rate is 1.0% of the assessed value. Based on Campbellton's average home price of approximately $175,000:
| Home Price | Deed Transfer Tax (1.0%) |
|---|---|
| $131,250 | $1,312 |
| $175,000 (avg) | $1,750 |
| $218,750 | $2,187 |
| $262,500 | $2,625 |
For full closing cost estimates, use our Nova Scotia DTT Calculator or New Brunswick DTT Calculator.