House Upgrades and How to Pay Off Your Loan | ACNH - Animal Crossing: New Horizons (Switch)

Upgrading Tent.png
This is a guide to paying off your loan and upgrading your Tent and House in the game Animal Crossing: New Horizons (ACNH) for the Nintendo Switch. Learn the cost of each house loan and the results of each upgrade, including storage size, as well as customization options you can unlock along the way.

How to Pay Off Your Loan and Upgrade Your House


Instructions for Upgrade
1. Ask Tom Nook about your moving fees
2. Ask Tom Nook to upgrade your house. The house will be completed on the following day.
3. Pay back the loan using the ABD (Automatic Bell Dispenser) at Nook Stop

How to Upgrade Your Tent to a House

Upgrading Tent.png
The initial loan for moving to the island requires the player to pay back the loan in Miles to Tom Nook directly. For this loan, you won't need to use the ABD. To learn about how to acquire Miles to pay back the initial 5,000 Miles, check out our guide below.

How to Get Nook Miles Fast

Pay Off Loans through the ABD

ABD - The ATM of New Horizons
You can send your loan payments using the ABD, or the Automatic Bell Dispenser, found in the Nook Stop inside Resident Services. Once you have fully paid your loan, you can talk to Tom Nook for a house expansion.

List of House Upgrades and Loan Costs

How Much Does It Cost to Fully Upgrade Your House?

Total Cost of Loans 5,696,000 Bells

There is a total of 7 house upgrades, including upgrading your house from a tent, which totals to 5,696,000 Bells.

Upgrade No. Cost Result of Upgrade
5,000 Miles
Initial moving cost
Room Size: 4x4
Storage Size: -
98,000 Bells
Upgrade from a tent to a house
Unlock Storage feature
Room Size: 6x6
Storage Size: 80
198,000 Bells
Increased house size
Room Size: 8x8
Storage Size: 120
348,000 Bells
Additional room in the back
Get a Present from other villagers
Room Size: 6x6
Storage Size: 240
548,000 Bells
Additional room on the left side
Improved outside appearance
Roof and mailbox customization unlocked
Room Size: 6x6
Storage Size: 320
758,000 Bells
Additional room on the right side
Door customization unlocked
Room Size: 6x6
Storage Size: 400
1,248,000 Bells
Addition of second floor
Increased Home size
Siding customization unlocked
Room Size: 10x6
Storage Size: 800
2,498,000 Bells
Addition of basement
1 free house customization a day unlocked
Room Size: 10x6
Storage Size: 1600

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house customization partial.pngList of House Customization Options -


4 Anonymous4 months

>>2 Number 4 is left side Number 5 is right side

3 Anonymous5 months

Just wait for me Tom Nook. I'm going to upgrade my house!

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