Trois-Rivières is Quebec's 4th-largest city with about 140,000 residents, located midway between Montréal and Quebec City. Home to UQTR (Université du Québec à Trois-Rivières) and ...
⚠️ Important: No First-Time Buyer Rebate in Quebec
Unlike Ontario, Quebec has no provincial first-time buyer rebate on Droits de mutation (welcome tax). All buyers — including first-timers — pay the full Droits de mutation. There is no exemption or refund program at the provincial level. Plan your closing costs accordingly and budget for the full welcome tax amount shown in the calculator below.
Trois-Rivières is Quebec's 4th-largest city with about 140,000 residents, located midway between Montréal and Quebec City. Home to UQTR (Université du Québec à Trois-Rivières) and a growing aerospace and tech sector, Trois-Rivières has seen significant real estate appreciation as Montréal buyers seek affordability. The waterfront has been revitalized and the city is increasingly popular.
Headquartered in Montréal, National Bank is the top choice for Quebec professionals. Strong French-language service and competitive mortgage products throughout Mauricie.
TD has a solid Trois-Rivières area presence. Full-service banking with French advisors, mortgage financing, and TD Wealth Management for Trois-Rivières residents.
Quebec's largest financial cooperative with 5.0M+ members. Desjardins has strong local roots in Mauricie with full French-language service and unlimited FADMD deposit insurance.
Droits de Mutation (Welcome Tax) Calculator — Trois-Rivières
⚠️ Quebec does not offer a first-time homebuyer rebate on droits de mutation.
Quebec's Droits de mutation applies to ALL buyers including first-timers. There is no provincial rebate or exemption. Unlike Ontario (up to $4,000 rebate), Quebec charges the full welcome tax regardless of purchase history. Budget this as a closing cost alongside notary fees.
Quebec's Droits de mutation (welcome tax) applies province-wide at standard rates. Estimated welcome tax on a typical Trois-Rivières home ($295,000): $2,925. No first-time buyer rebate exists in Quebec.
Yes. Trois-Rivières has seen strong appreciation driven by remote workers and investors. Homes range from $240,000–$420,000 for single-family. Welcome tax on a $295,000 purchase is approximately $3,175. There is no first-time buyer rebate in Quebec — budget for the full amount.
What bank is most popular in Trois-Rivières?
Desjardins has strong local roots. TD, National Bank, Scotiabank, BMO, and RBC all have Trois-Rivières branches. UQTR students and young professionals frequently choose KOHO for $0 fees and 3% interest.
What is the best no-fee bank in Trois-Rivières, Quebec?
KOHO is the best no-fee bank for Trois-Rivières residents in 2025. It charges $0/month forever, pays 3% interest on your entire balance (far better than any local branch bank), and includes a $100 signup bonus with code 45ET55JSYA. EQ Bank is the best choice for TFSA and RRSP savings at 3.75%. Both are fully digital and work seamlessly for Trois-Rivières residents alongside a local Desjardins or National Bank account for mortgage needs.
Do first-time buyers in Trois-Rivières get a Droits de mutation rebate?
No. Quebec has no provincial first-time buyer rebate on Droits de mutation (welcome tax). All buyers in Trois-Rivières — regardless of whether it's their first home — pay the full welcome tax. This is a significant difference from Ontario, which offers up to $4,000 back for first-time buyers. Budget the full Droits de mutation amount as a closing cost in Trois-Rivières.
Trois-Rivières's Best Daily Bank: $0 Fees + $100 Cash