Top 6 banking picks for Montérégie residents and home buyers — with a free Quebec droits de mutation calculator.
Saint-Constant is a growing Montérégie municipality in the Roussillon MRC, located between Candiac and Delson on the south shore of Montreal. While perhaps less prestigious than neighbouring La Prairie, Saint-Constant offers excellent value with full south-shore services and strong Montreal commuter access via Autoroute 15 and the Candiac commuter train line.
Average home prices in Saint-Constant sit around $435,000 — noticeably more affordable than La Prairie and Candiac while offering comparable access and services. The municipality has been growing steadily as buyers in the Roussillon corridor discover its relative value.
Saint-Constant's most notable attraction is Exporail, the Canadian Railway Museum — the largest railway museum in Canada, with over 160 pieces of rolling stock including historic locomotives and passenger cars. The museum draws visitors from across Quebec and is a major cultural asset for the region.
The Candiac commuter train (Exo Candiac line) stops at Saint-Constant, providing downtown Montreal access in under 45 minutes — an important commuter advantage that supports property values in this south-shore community.
The droits de mutation on a $435,000 home is approximately $4,971 — no Montreal island surtax applies in Saint-Constant. Quebec provides no first-time buyer exemption on droits de mutation.
Standard QC formula — no Montreal island surtax. Avg. home ~$435,000 → approx. $4,941.00 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 Saint-Constant. 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 Saint-Constant's ~$435,000 market. CDIC insured.
Quebec's dominant cooperative financial group with deep roots in Montérégie. 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 Saint-Constant and Montérégie residents. CDIC insured.
Headquartered in Montreal with deep Quebec market expertise. Competitive mortgage products for Montérégie buyers. Strong online application. CDIC insured.
Comprehensive personal banking, mortgages, and investment products for Saint-Constant residents and buyers. Canada's largest bank. CDIC insured.
For a $435,000 home in Saint-Constant, the droits de mutation is approximately $4,941.00. 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.