Home loan

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House PG Icon.png
A player after fully paying off their home loan in New Horizons

A home loan, also known as a debt or mortgage, is an amount of Bells that is required to pay off in order to purchase or 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. In Animal Crossing: New Horizons, paying off the final mortgage will cause any future exterior renovations to be completely free for the player.

Required Amounts[edit]

Doubutsu no Mori, Animal Crossing, and Doubutsu no Mori e+[edit]

Purchase Mortgage Cost Size
Buying house 19,800 Bells
First main room expansion 148,000 Bells
Basement 48,000 Bells
Second main room expansion 398,000 Bells
Second floor 798,000 Bells
Total 1,410,800 Bells

Animal Crossing: Wild World[edit]

Purchase Mortgage Cost Size
Buying house 19,800 Bells 4 x 4
First main room expansion 120,000 Bells 6 x 6
Second main room expansion 298,000 Bells 8 x 8
Second floor 598,000 Bells 6 x 6
Left room 728,000 Bells 6 x 6
Right room 848,000 Bells 6 x 6
Back room 948,000 Bells 6 x 6
Total 3,559,800 Bells

Animal Crossing: City Folk[edit]

Purchase Mortgage Cost Size
Buying house 19,800 Bells
First main room expansion 120,000 Bells
Second main room Expansion 248,000 Bells
Second floor 368,000 Bells
Basement 598,000 Bells
Total 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[nb 1] 4 × 4
Buying a House 98,000 Bells 6 × 6
Main room 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: regardless of how the player responds when informed of the cost, Tom Nook will inform them that because the player doesn't have any Bells yet, they will be enrolled to pay off the initial fees using Nook Miles.


Gallery[edit]


Isabelle NH Character Icon.png
To-do list: This page could do with some improvements!
Edit this page and add a little something to make it just right.
  • Add sizes for PG, and CF
  • Put NL data into a table
Isabelle NH Character Icon.png
To-do list: This page could do with some improvements!
Edit this page and add a little something to make it just right.
  • Add sizes for PG, and CF
  • Put NL data into a table