Mortgage

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A player after paying off their home loan in Animal Crossing: New Leaf.

A mortgage, also known as a debt or loan, is an amount of bells that is required to pay off in order to buy and expand a player's home. After the player pays off the mortgage once, the price will increase. Once the house is fully expanded and paid off, the player will usually get a reward. In Animal Crossing, after the player pays off their mortage, they will have a statue put up of them in front of the train station. In Animal Crossing: City Folk, the player will receive a flag in front of their house that custom designs can be placed on. Paying off the mortgage in Animal Crossing: New Leaf unlocks theme challenges run by Lyle at the Happy Home Academy.

Required Amounts[edit]

Animal Crossing[edit]

  • Buying House: 19,800 bells
  • First Expansion: 148,000 bells
  • Basement: 48,000 bells
  • Second Expansion: 398,000 bells
  • Second Floor: 798,000 bells
  • Total Cost: 1,410,800 Bells

Animal Crossing: Wild World[edit]

  • Buying House: 19,800 bells
  • First House Expansion: 120,000 bells
  • Second House Expansion: 298,000 bells
  • Upstairs Room: 598,000 bells
  • Left Room: 728,000 bells
  • Right Room: 848,000 bells
  • Back Room: 948,000 bells
  • Total Cost: 3,559,800 Bells.

Animal Crossing: City Folk[edit]

  • Buying House: 19,800 bells
  • First House Expansion: 120,000 bells
  • Second House Expansion: 248,000 bells
  • Second Floor: 368,000 bells
  • Basement: 598,000 bells
  • Total Cost: 1,353,800 bells

Animal Crossing: New Leaf[edit]

  • Buying House: 10,000 bells
  • First Expansion: 98,000 bells
  • Second Expansion: 198,000 bells
  • Second Floor: 298,000 bells

After the second story is constructed, the player may choose to expand existing rooms or construct additional rooms, in any order:

  • 1st Second Story Expansion: 498,000 bells (upgraded to 6 by 6 squares)
  • 2nd Second Story Expansion: 598,000 bells (upgraded to 8 by 8 squares)
  • Basement: 428,000 bells (4 by 4 squares)
  • 1st Basement Expansion: 498,000 bells (upgraded to 6 by 6 squares)
  • 2nd Basement Expansion: 598,000 bells (upgraded to 8 by 8 squares)
  • Ground Floor Left Room: 348,000 bells (4 by 4 squares)
  • 1st Ground Floor Left Room Expansion: 498,000 bells (upgraded to 6 by 6 squares)
  • 2nd Ground Floor Left Room Expansion: 598,000 bells (upgraded to 8 by 8 squares)
  • Ground Floor Right Room: 348,000 bells (4 by 4 squares)
  • 1st Ground Floor Right Room Expansion: 498,000 bells (upgraded to 6 by 6 squares)
  • 2nd Ground Floor Right Room Expansion: 598,000 bells (upgraded to 8 by 8 squares)
  • Ground Floor Back Room: 348,000 bells (4 by 4 squares)
  • 1st Ground Floor Back Room Expansion: 498,000 bells (upgraded to 6 by 6 squares)
  • 2nd Ground Floor Back Room Expansion: 598,000 bells (upgraded to 8 by 8 squares)
  • Total Cost: 7,595,800 Bells
  • Total Floorspace: 320m²
  • Total Wallspace: 142m
  • Total Furnishable Tiles: 462
  • Floorspace Cost: 23,737 Bells per m²
  • Tile Cost: 16,441 Bells per tile


Animal Crossing: New Horizons[edit]

Purchase Mortgage Cost Size
Buying a Tent 5,000 Nook Miles / 49,800 Bells[1] 4 × 4
Buying a House 98,000 Bells 6 × 6
First House Expansion 198,000 Bells 8 × 8
Back room 348,000 Bells 6 × 6
Left room 548,000 Bells 6 × 6
Right room 758,000 Bells 6 × 6
Second floor 1,248,000 Bells 12 × 6
Basement 2,498,000 Bells 12 × 6
Total 5,696,000 Bells
  1. The Bell cost is nominal; the tent can only be payed off using Nook Miles.

Gallery[edit]