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

ACNH - Pay Off Loan And House Upgrades
Pay off your loan to upgrade your tent and house in Animal Crossing: New Horizons (ACNH)!

Find out how much each house upgrade costs and what features come with each upgrade as well as how you can pay off each loan through the ABD!

How to Pay Off Your Loan and Upgrade Your House

ACNH - Loan Payment - House Upgrade

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

ACNH - House Upgrade Guide - Tom Nook Loan.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

ACNH -  House Upgrade Guide - Pay Off Loans with ABD
You can send loan payments using the Automatic Bell Dispenser (ABD), 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/house upgrade.

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.

No. Cost Result of Upgrade
0 5,000 Miles Initial moving cost
Room Size: 4x4
Storage Size: -
1 98,000 Bells Upgrade from a tent to a house
Unlock Storage feature
Room Size: 6x6
Storage Size: 80
2 198,000 Bells Increased house size
Room Size: 8x8
Storage Size: 120
3 348,000 Bells Additional room in the back
Get a Present from other villagers
Room Size: 6x6
Storage Size: 240
4 548,000 Bells Additional room on the left side
Improved outside appearance
Roof and mailbox customization unlocked
Room Size: 6x6
Storage Size: 320
5 758,000 Bells Additional room on the right side
Door customization unlocked
Room Size: 6x6
Storage Size: 400
6 1,248,000 Bells Addition of second floor
Increased Home size
Siding customization unlocked
Room Size: 10x6
Storage Size: 800
7 2,498,000 Bells Addition of basement
1 free house customization a day unlocked
Room Size: 10x6
Storage Size: 1600

Related Guides

Beginner

All Tips & Tricks

House and Storage

House and Storage
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ACNH - How to Get Moving Wallpaper partialHow to Get Moving Wallpaper ACNH - How to Get Moving Flooring partialHow to Get Moving Flooring
ACNH - List of House Customization Options partialList of House Customization Options ACNH - All House Upgrades.pngAll House Upgrades | How to Pay Off Your Loan

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    • >>[4056] >>[4052]
      Still able to? I’m trying to find apples, oranges, and pears

    • Hafiz - there are white simple panels used as a room divider in this room. the code u need for the dividers can be found here:

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