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In Animal Crossing: New Horizons, every structural house loan from tent to basement costs 5,696,000 Bells. The initial island getaway payment is separate at 5,000 Nook Miles. If “fully upgraded” also means buying the two storage-only expansions reported after the 3.0 update, add 3,300,000 Bells, for a broader total of 8,996,000 Bells plus the 5,000-Mile payment. Those are two different goals, so this guide keeps the structural house total and the maximum-storage total separate.
The figures below apply to New Horizons, not every game in the Animal Crossing series. Bell amounts are in-game loans, not real-world prices.
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What does “fully upgrade your house” mean in New Horizons?
Most players mean completing every room expansion through the basement. That sequence ends at 5,696,000 Bells, and the basement is the final structural addition in the standard loan path. A newer interpretation includes storage-only expansions that do not add rooms; those reported 3.0 upgrades bring the storage ceiling to 9,000 slots and cost another 3,300,000 Bells.
Use the structural figure when you want every room and the normal end of the house-loan progression. Use the larger figure when your goal is the reported maximum storage as well. In both cases, the first 5,000 Nook Miles you pay to leave the tent is a separate obligation and is not included in either Bell total. The GameWith repayment chart lists the loan sequence and the initial Miles payment.
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How much does every structural expansion cost?
Each expansion is offered after the previous loan is paid. The table shows the individual charge and the cumulative Bell total, so you can see exactly how the final number is built.
| Upgrade | Individual cost | Running Bell total |
|---|---|---|
| Tent to house | 98,000 Bells | 98,000 Bells |
| Larger main room | 198,000 Bells | 296,000 Bells |
| Back room | 348,000 Bells | 644,000 Bells |
| Left room | 548,000 Bells | 1,192,000 Bells |
| Right room | 758,000 Bells | 1,950,000 Bells |
| Upstairs room | 1,248,000 Bells | 3,198,000 Bells |
| Basement | 2,498,000 Bells | 5,696,000 Bells |
The arithmetic is straightforward: add all seven Bell loans, from the 98,000-Bell conversion of the tent through the 2,498,000-Bell basement. The basement alone accounts for nearly half of the structural total, so reaching the last stage requires substantially more saving than the early room additions.
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The schedule is cross-checked by the Chibisnorlax New Horizons FAQ, which also identifies the basement as the last structural expansion in this sequence. A Gamer Guides house guide provides the same New Horizons context and identifies the game’s Switch platform availability.
What is the separate 5,000-Nook-Mile payment?
Before Bell loans begin, the island getaway package starts with a 5,000 Nook Miles payment. It is not 5,000 Bells, and it is not folded into the 5,696,000-Bell structural total. Think of it as a separate currency requirement that comes before the house-loan ladder.
Your minimum budget for the complete room sequence is therefore 5,696,000 Bells and 5,000 Nook Miles. You cannot replace one currency with the other: Bells cover the construction loans, while the initial getaway debt is recorded in Nook Miles.
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How much do the 3.0 storage upgrades add?
The reported post-3.0 storage path adds two expansions priced at 1,500,000 Bells and 1,800,000 Bells. Together they cost 3,300,000 Bells. GamesRadar+ reported on January 15, 2026 that these upgrades raise the storage limit to 9,000 slots; they are storage increases rather than additional rooms. See the GamesRadar+ report on the 3.0 storage pricing for that version-specific figure.
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- Structural loans through the basement: 5,696,000 Bells
- Two reported storage-only expansions: 3,300,000 Bells
- Structural plus storage total: 8,996,000 Bells
- Initial island getaway payment: 5,000 Nook Miles, separately
That 8,996,000-Bell figure is the useful target if you want every reported house-related Bell upgrade and the 9,000-slot storage capacity. It should not replace the 5,696,000-Bell answer when someone is asking only about rooms and the basement.
What happens at the basement stage?
The basement is the endpoint of the structural expansion chain, not merely another storage purchase. The cited FAQ reports 1,600 home-storage slots at that stage and says that paying all house loans unlocks free exterior renovations once per day. Thus, the basement milestone has both a layout result and a progression benefit.
The later storage-only purchases are a different decision. They are relevant if you routinely hit the storage cap, but they do not change the list of rooms in the house. If your priority is a finished floor plan, stop calculating at 5,696,000 Bells; if your priority is capacity, continue to the additional 3,300,000 Bells.
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How do the loans unlock?
You do not receive the entire expansion menu at once. The sequence is gated by repayment, so plan around one loan at a time.
- Pay the 5,000 Nook Miles getaway debt. This clears the initial island-arrival obligation and starts the Bell-funded home progression.
- Take the tent-to-house loan for 98,000 Bells. This is the first Bell amount in the structural total.
- Repay the current loan before requesting the next expansion. The next room or size increase becomes available only after the prior balance is paid, as described in the GameWith progression guide.
- Continue through the main-room enlargement, back room, left room, right room, upstairs and basement. Keep a running total if you are budgeting for the full 5,696,000 Bells.
- Decide whether to buy the storage-only expansions. Add 1,500,000 and then 1,800,000 Bells only if the reported 9,000-slot capacity is part of your goal.
The important practical point is that a partially saved amount does not unlock the next stage by itself. The previous loan has to be paid before the next expansion is offered, so a player planning a large purchase should distinguish “cash on hand” from “loan fully cleared.”
How should I budget for the two definitions of completion?
Use one of these targets, depending on what you mean by “fully upgraded.”
| Goal | Bell budget | Nook Miles budget | What it includes |
|---|---|---|---|
| Every structural room | 5,696,000 | 5,000 | All loans from tent conversion through basement |
| Structural house plus reported maximum storage | 8,996,000 | 5,000 | All structural loans plus both 3.0 storage expansions |
These totals are cumulative, not prices for a single final transaction. For example, the basement’s 2,498,000-Bell charge is only the last installment; you still need to have paid every earlier loan to reach that point. Likewise, the 3.3 million storage figure is added after the structural total rather than substituted for it.
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A simple savings plan is to track three separate numbers: remaining Bell balance on the current loan, Bells reserved for the next structural step, and Nook Miles reserved for the initial getaway payment if you are starting a new island. Keeping the currencies separate prevents the common mistake of quoting 5,701,000 as though the Miles payment were Bells; it is not a Bell amount at all.
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Why do some guides list a 398,000-Bell back-room loan?
There is a source discrepancy around the third structural charge. One GameWith chart has been presented elsewhere with 398,000 Bells, while Gamer Guides and the Chibisnorlax FAQ list the back-room addition at 348,000 Bells. The latter two agree with each other and produce the stated 5,696,000-Bell structural total, so 348,000 Bells is the figure used here.
Some versions of the conflicting chart also label the earlier stage as a “default house,” even though its repayment walkthrough and the cross-checked guides identify 98,000 Bells as the tent-to-house loan. When comparing lists, check both the labels and the cumulative total; a single 50,000-Bell discrepancy changes every running-total calculation that follows it.
Is 8,996,000 Bells the current maximum?
It is the maximum reported in the supplied 3.0 coverage when “maximum” means every structural loan plus the two storage-only expansions that raise capacity to 9,000 slots. The storage prices and capacity are version-dependent claims from GamesRadar+’s January 2026 report, while the 5,696,000-Bell room sequence is supported by the established guide cross-checks.
Because update content can change, quote the scope when giving the number: say “5,696,000 Bells through the basement” for the structural answer, or “8,996,000 Bells including the two reported 3.0 storage upgrades” for the broader answer. That wording tells another player exactly which purchases you counted and avoids treating storage capacity as another room expansion.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.How we separated the totals
The calculation follows four criteria: it uses the New Horizons loan sequence rather than costs from another Animal Crossing game; it keeps Nook Miles separate from Bells; it treats the basement as the final structural expansion; and it adds the two post-3.0 storage charges only when maximum reported capacity is part of the goal. The 348,000-Bell back-room figure is retained because two cited guides agree on it and it reconciles with the 5,696,000-Bell cumulative total.
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Frequently Asked Questions
Can I stop upgrading after I build the basement?
Yes. The basement completes the structural room path, so you can treat the house as finished without buying the later storage expansions. The storage purchases are optional capacity increases for players who want the reported 9,000-slot ceiling.
Do the storage expansions add another room or floor?
No. The reported 3.0 purchases are described as storage-only upgrades. They increase how many items the house can hold, while the basement remains the last structural room in the cited progression.
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The getaway payment is denominated in Nook Miles, whereas every house expansion in the table is denominated in Bells. Track them as separate targets because saving extra Bells does not pay the Miles obligation.
Why do online cost lists disagree by 50,000 Bells?
The disagreement centers on the back-room line: one chart shows 398,000 Bells, while two cross-checking guides show 348,000 Bells. Using 348,000 preserves the published cumulative total of 5,696,000 Bells for all structural loans.
