Animal Crossing house upgrades, from getting your first house and loan to expansions, in New Horizons explained

How to grow your home sweet home.

As with any Animal Crossing game, upgrading your house is one of the key goals as you continue to make the village your own.

First things first, though, you need a house - with your first abode being a tent when you first move to the island.

This page explains how to get a house in Animal Crossing New Horizons, and how future house upgrades and expansions work from there.

On this page:

How to get a house in Animal Crossing: New Horizons

As you start New Horizons with temporary accommodation - a tent - you'll be keen to upgrade it to a house with its own four walls and a roof as soon as possible.

To do this, you need 5,000 Nook Miles to upgrade your tent. This requires you to participate in the series of challenges listed in the Nook Mileage program - from the daily Nook Miles + activities to regular long term Nook Miles tasks.


Once that's done, Nook will happily accept your Miles to get your house construction underway.

With your home in place, you can start decorating right away - adding wallpaper and flooring of your choosing, and laying out furniture, and storing items you don't want to keep on your person.


Of course, you might run out of room pretty quickly. Which is where house upgrades come in!

How to upgrade your house in Animal Crossing: New Horizons

Once you have your first home, the process to them upgrade follows a more familiar routine as with previous Animal Crossing games.


Instead of Nook Miles, house upgrades are paid with Bells, the game's other currency. Though it's widely used throughout all parts of the game, you can increase your cash flow from various Animal Crossing money making techniques.

Nook will give you a mortgage for the next upgrade once you have paid off the last upgrade. This means once you have paid off the initial 98,000 payment for the initial house, you can get underway with the process of expanding.


Animal Crossing: New Horizons has arrived! After you've set up character customisation, your island name and chosen the correct season for your hemisphere, it's time to get to work on your new holiday life. Thankfully, we have some Animal Crossing New Horizons tips for that. There is fish to catch (including Stringfish and Sturgeon), bugs to catch, Bamboo, flowers and fruit to grow, hairstyles to unlock, villagers to add, shooting stars to wish upon, tools to craft (such as the new ladder and vaulting pole), materials (such Iron and Gold Nuggets) to find, Tarantulas to catch, wasp stings to avoid and Nook Miles and Bells to make, and of course, a house, museum and most importantly, the town hall and Isabelle to unlock where you can change the Town Tune and check your island star rating. You can also meet Gulliver and Wisp on your travels. Finally - you can take part in multiplayer, download QR code designs, complete your activities ahead of the Animal Crossing daily reset time, use amiibo and learning about the upcoming Bunny Day Easter event and Cherry blossom event.

House upgrade expansion loan costs in Animal Crossing: New Horizons explained

The costs to upgrade your house in Animal Crossing: New Horizons we've uncovered so far are as follows:

  1. 98,000 bells - Initial house upgrade
  2. 198,000 bells
  3. 298,000 bells
  4. 598,000 bells
  5. ...and so on!
A taste of how your house will expand over time...

Remember, the amounts are paying off the mortgage on what you already have. Either way - once that payment has been made to Nook, then the next upgrade can take place.

It should be noted there are likely many more expansions after those mentioned above - previous games have seen additional floors, rooms and even a basement - all which require significant investments of hundreds of thousands of bells each. It's likely to be the same here!

An example of how big your house can get...

Remember, renovations won't happen instantly - so be patient and each subsequent will be yours. There's plenty of other things to be getting on in the meantime - from unlocking tools and other crafting items, as well as island structures such as the museum.

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About the author

Matthew Reynolds

Matthew Reynolds

Guides Editor

Matthew edits guides and other helpful things at When not doing that, he's out and about playing Pokémon Go or continuing to amass his amiibo collection.


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