Top 6 banking picks for Beauce residents and home buyers — with a free Quebec droits de mutation calculator.
Plessisville is a small industrial city in the Érable MRC, situated in the transition zone between the Beauce and the St. Lawrence lowlands, about 70 km south of Trois-Rivières and 115 km from Quebec City. Known as "la capitale de l'érable" (the maple capital), Plessisville celebrates the maple syrup industry that dominates the surrounding agricultural landscape.
Average home prices in Plessisville are approximately $235,000, offering exceptional affordability in a community with full services including schools, a hospital, retail, and manufacturing employment. The city's population of around 7,000 has a strong working-class identity rooted in maple syrup processing, furniture manufacturing, and municipal services.
The Festival de l'Érable (Maple Festival) is Plessisville's signature annual event — celebrating Quebec's most iconic agricultural product with sugar shack meals, maple taffy on snow, artisan markets, and outdoor activities. The surrounding region is one of the most productive maple syrup areas in the province.
The Érable MRC is positioned between major urban centres but maintains a distinctly rural identity. Manufacturing plants for wood products, plastics, and food processing provide stable local employment. Desjardins Caisse d'Érable serves the local financial needs; digital banks like KOHO and EQ Bank supplement local branch banking for residents who prefer online management.
The droits de mutation on a $235,000 home is approximately $2,052 — a very low welcome tax befitting Plessisville's affordable market. No Montreal surtax, no first-time buyer rebate.
Standard QC formula — no Montreal island surtax. Avg. home ~$235,000 → approx. $2,086.00 welcome tax. Consult a notary for exact obligations.
| 0.5% on first $52,800 | |
| 1.0% on $52,801–$264,000 | |
| 1.5% on $264,001–$528,000 | |
| 2.0% above $528,000 | |
| Total Droits de Mutation |
KOHO offers free banking with cash back on everyday purchases — popular with Quebecers who want to complement their Desjardins account with a no-fee Visa card.
KOHO Gratuit — Code 45ET55JSYA3.0% HISA, zero monthly fees, $100 welcome bonus with code 45ET55JSYA. Visa card accepted everywhere in Plessisville. CDIC-insured through Peoples Bank of Canada.
3.75% Savings Plus Account — Canada's highest no-fee savings rate. Ideal for building a down payment in Plessisville's ~$235,000 market. CDIC insured.
Quebec's dominant cooperative financial group with deep roots in Beauce. Strong mortgage products and local caisse network. Deposits insured by DPFQ.
Full-service personal and mortgage banking with a strong mobile app and wide ATM network. Serves Plessisville and Beauce residents. CDIC insured.
Headquartered in Montreal with deep Quebec market expertise. Competitive mortgage products for Beauce buyers. Strong online application. CDIC insured.
Comprehensive personal banking, mortgages, and investment products for Plessisville residents and buyers. Canada's largest bank. CDIC insured.
For a $235,000 home in Plessisville, the droits de mutation is approximately $2,086.00. No Montreal island surtax applies here. Quebec provides no first-time buyer exemption — all buyers pay the full welcome tax. Use our calculator above for your specific purchase price.