A staple of the Animal Crossing franchise involves players paying off their debt to racoon overlord Tom Nook to expand, build up, and change their homes. New Horizons is no different, but the expansions work a little differently in this game. Take a look here to discover more about each of the home expansions in New Horizons and how much they cost.
The House Upgrades
As part of Tom Nook’s Deserted Island Getaway Package, Nook will provide you with a tent when you move to your island. The tent costs 5,000 Nook Miles and you’ll have to pay that by completing various goals around your island. Once you’ve collected those 5,000 Nook Mile points and paid the tent off, it will upgrade to a house and will be available the next day.
Tent To House
Once you have a house, you can speak to Tom Nook and he will prompt a second upgrade. This will expand your house to a six-by-six grid with 80 slots of storage for various items. If you agree to the update, Tom Nook will provide you with a loan of 98,000 Bells which you will need to pay off before you can upgrade the house again. Once the loan has been paid off, the upgrade will be ready the next day.
Upgrade House Size
After paying off the previous loan, speaking to Tom Nook will trigger Nook into providing you with a second upgrade which expands your home to an eight-by-eight grid with 40 additional storage slots. This upgrade costs 198,000 Bells.
After completing the previous upgrade, you can trigger another by speaking once again to Tom Nook. However, rather than expanding the size of your current one-room house, this upgrade will add a back room to your house. In addition, you’ll be given 120 additional storage slots. All of this comes at a price of 348,000 Bells though, which is a big jump from the previous upgrade.
When the left room has been added to your home, you can trigger another upgrade. This adds a left room to your home with another 120 storage slots, bringing your total number of slots up to 360. This upgrade costs a whopping 548,000 Bells, but it also brings some new changes.
After unlocking the left room, you’ll be able to customise the roof colour of your home and the mailbox too. However, these small renovations cost you 5,000 Bells and must be done by speaking to Tom Nook and asking him to customize your home. Finally, with this upgrade, you’ll be free to pick up and move your mailbox using the Y button.
Once you have the left room, you’ll be able to speak to Tom Nook and trigger another upgrade which adds a room to the right-hand side of your house as well as 40 more storage slots. Along with the additional room, you’ll be able to customise the front door of your house. In total, this upgrade costs 758,000 Bells.
Once you’ve added rooms to the back, left, and right-hand side of your home, you’ll trigger another upgrade. This unlocks a large second-floor ten-by-six grid room as well as 400 storage slots. By the time you unlock this upgrade, you’ll have 800 storage slots. The upgrade also unlocks the ability to customise your home’s siding. You’ll have to pay a total of 1,248,000 Bells.
Once the second floor has been added to your home, you’ll be able to trigger one final upgrade; a basement. The basement, like the second floor, is a 10-by-six room which adds 800 storage slots for a final total of 1,600 slots. This upgrade costs 2,498,000 Bells. There are no more upgrades after this.
After unlocking this upgrade, you’ll be able to small one small renovation to your home a day. You’ll be free to change your home’s door, sliding, mailbox and more.
How To Pay Your Loans
In Animal Crossing: New Horizons, there is only one way to pay off your loans to Tom Nook. You’ll need to use the Nook’s Stop ABD (Automatic Bell Dispenser) at Resident Services to pay off each of the loans with your hard-earned Bells. While the first few upgrades may be easy to pay off, the latter upgrades are much more expensive and subsequently harder to complete.
The best way of earning Bells to pay off your loans is by selling fossils you dig up around your island, selling unwanted furniture and clothing, insects and fish, as well as any materials. You can even sell fish and insects to special characters C.J. and Flick for more money.
What’s more, every day there will be one rock which, when hit, will spit our Bells in the following values; 100, 200, 300, 500, 1,000, 2,000, 4,000, and 8,000. However, you’ll have limited time to hit the rock and must do it quickly to earn all 16,100 Bells. What’s more, the money rock will change every day.
You can also earn Bells by crafting and selling Hot Items to Tom Nook. All you need to do is approach Timmy and Tommy in Nook’s Cranny and ask them what the hot item is. You can then craft the item as many times as you want and sell it for increased value. Hot Items change each day, so it’s a good idea to check what they are.
Finally, you can earn Bells by exchanging Nook Miles for Bell Vouchers. These vouchers can be exchanged at Nook’s Cranny for 3,000 Bells and are a great way of earning some extra Bells if you have lots of unneeded Nook Mile points.
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