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Montmagny, Canada

Data updated Sep 29, 2026

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📊 Scores

76
FIRE
63
Retiree
67
Digital Nomad

Best fit: FIRE / Geoarbitrage (score: 76)

The Whirlpool factory closure in 2004 gutted Montmagny's industrial base, and the city hasn't recovered. Today, employment centers on the hospital, a provincial jail, and a regional college—stable but unglamorous work. Tourism from the accordion festival (September) and snow goose migration (October) brings seasonal cash, but this isn't a place where remote workers or entrepreneurs cluster. The economy is genuinely thin; you're not moving here for job prospects.

Rent runs $729/month for a one-bedroom downtown, which is cheap by Quebec standards but reflects the city's stagnation rather than value. French is the working language; English gets you by in healthcare and government but not daily life. Winter temperatures drop to -10°C regularly. The hospital is solid, and Quebec's healthcare system covers residents after three months. Bureaucracy is standard Canadian—straightforward but slow. Public transit exists but a car is practical for reaching Quebec City (80km west) or exploring the region.

Winters are long and harsh; summers are mild and brief. The St. Lawrence River dominates the landscape and weekend activity—kayaking, birdwatching during migration season, walking the marshes. The expat community is nearly nonexistent; you'll be one of few foreigners. Food is standard Quebec fare: poutine, tourtière, decent coffee culture. Montmagny suits remote workers seeking genuine small-town Quebec life, rock-bottom rent, and isolation—not people seeking career growth or a social scene.

🏚️ Cost of Living

💰 Budgets and Costs

$1305/mo
Selected: mid-range lifestyle
This mid-range budget allows for a comfortable lifestyle in Montmagny. Housing is a one-bedroom apartment outside the centre ($715/mo), with home cooking ($256/mo on groceries) and dining out a few times a week ($175/mo). Utilities and connectivity round out to $159/mo.

Grocery Basket

Milk (1L)$2.27
Bread (loaf)$2.88
Eggs (12)$3.46

Eating Out

Meal (Inexpensive)$17.21
Meal (Mid-range)$75.02
Cappuccino$3.96
Water (0.33L)$1.62
Restaurant Density0 /km²

Utilities & Lifestyle

Utilities (mo)$84.35
Mobile Plan (mo)$35.14
Cinema Ticket$12.23

Housing

1BR Center (mo)$860.65
1BR Outside (mo)$717.21
3BR Center (mo)$1290.98
3BR Outside (mo)$1004.1

A 1BR in the center runs about $860.65/mo. If your income is in another currency, bank FX fees add up. A multi-currency account can cut that cost.

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💰 Real Spend Reports

🛡️ Safety & Crime

78
Safety Index

(Higher is safer)

22
Crime Index

(Lower is safer)

Montmagny is a very safe small town in Quebec's Côte-du-Sud region with minimal violent crime and property theft. The Safety Index of 78 reflects a genuinely low-crime environment typical of rural Quebec communities. Main concerns are petty theft and occasional break-ins rather than street crime. The town has strong community policing and residents report feeling secure day and night. For American expats seeking a quiet, secure retirement or remote work base, Montmagny presents virtually no safety red flags—the primary adjustment is adapting to small-town life rather than managing security risks.

🏥 Healthcare

Good
Public Hospitals
Yes
Private Clinics
No
English-Speaking Doctors
Limited

🌤️ Climate

Summer Temp
32°C
Winter Temp
-32°C
Humidity
75%
Air Quality Index
35

Best Months

JunJulAugSep

Climate Notes

Montmagny experiences a continental climate with cold, snowy winters (lows around -32°C) and warm, humid summers (highs around 32°C), offering distinct seasonal changes typical of eastern Quebec.

💻 Digital Nomad

Avg Internet Speed
45 Mbps
Coworking Availability
Moderate
Digital Nomad Score
67/100

Community Notes

NamePrice/moNotes
Espace Coworking Montmagny$150Located in the heart of Montmagny, this coworking space offers a professional environment with essential amenities like high-speed internet and printing services. Its central location provides easy access to local shops and restaurants, making it convenient for expats.
Centre d'Affaires Montmagny$200While primarily a business center, it offers coworking options with private offices and shared spaces. Located near the main commercial area, it provides a professional setting with administrative support, appealing to remote workers needing more structured services.

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🧳 Expat Life

English Proficiency
Widely Spoken
Expat Community
Very Few
Top Neighborhoods
Saint-Nicolas, Downtown Montmagny

Expat Life Notes

A small town on the St. Lawrence River. Life is conducted almost entirely in French. It is safe and picturesque.

Pros

  • ✓ Safe and quiet
  • ✓ River scenery
  • ✓ Affordable

Cons

  • ✗ French language mandatory
  • ✗ Very few expats
  • ✗ Small job market

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