The costs that carry over regardless of municipality are the ones set federally and provincially: a minimum down payment of 5 percent on the first $500,000, legal fees of $800 to $1,500, a home inspection at $400 to $600, and PST on your mortgage insurance premium if you put down less than 20 percent.
What changes outside city limits is property tax and, on some lots, whether the property is on municipal water and sewer or on a well and septic system, which affects both the purchase and the ongoing cost of owning there.
Joel Dyck can explain how Martensville's rules differ from Saskatoon's before you make an offer. Get your hand-reviewed valuation from Joel Dyck.