How to build a house in Animal Crossing: New Horizons

A Tent is great, but building your own house is even more rewarding in Animal Crossing: New Horizons!

One question Animal Crossing: New Horizons players will want answered is how to build a house. In the beginning of the game, you start out with a Tent and some basic necessities courtesy of Tom Nook. However, you have the option to build yourself a house and give yourself a little extra room. To elaborate further, we’ve put together a quick guide on how to build a house in Animal Crossing: New Horizons.

How to build a house in Animal Crossing: New Horizons

How to build a house in Animal Crossing: New Horizons
Take out a Home Loan with Tom Nook to build yourself a grand house in Animal Crossing: New Horizons.
© Nintendo
  • Visit Tom Nook and ask to take out a Home Loan (after a day or two on the island).
  • Agree to the price of 98,000 Bells in exchange for your Home Loan (which you can pay back in increments).
  • Wait for Tom Nook to finish building your house.
  • Visit your house and decorate it any way you like!

In Animal Crossing: New Horizons, you’ll start out the game with a basic Tent and some essentials like a cot and a lantern. As you play through the game, you may find yourself itching to expand and improve upon your living space. In this instance, you’ll want to build yourself a house. The way this works in Animal Crossing: New Horizons is through the Home Loan program.

While pricey, the reward of building your own home overshadows the fact that it’ll cost you a whopping 98,000 Bells to do so. Fortunately, you’re able to pay back the loan in gradual increments at your own pace. You won’t have to fork over the entire 98,000 Bells at once. With the Home Loan process complete, Tom Nook will begin construction on your house.

Some of the added benefits to building a house – beyond the extra space and fancy design – include the home’s built-in storage system where you can stash items for later. You can also design every aspect of your house to your liking from wallpaper to where you place items. If you need even more space, there are expansions and remodels available that’ll let you grow your home from a tiny house into a grand cottage.

To expand your home, simply visit Tom Nook and inquire about adding some extensions to your house. He’ll be happy to help you… for a price.

Now that you know how to build a house in Animal Crossing: New Horizons, we’ve got a few other guides worth checking out including how to go on Island Tours in Animal Crossing: New Horizons, how to get Nook Miles in Animal Crossing: New Horizons, and how to play co-op in Animal Crossing: New Horizons.

Morgan is a writer, indie game lover, and socially awkward coffee addict. Need something? Morgan can be reached at morgan.shaver@allgamers.com or if you like, you can say hello using GIFs on Twitter.

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