Am I in perpetual debt to Tom Nook?
Given that I recently started playing, I greatly dislike the feeling of constantly being in debt. It starts with paying off the 5000 Miles cost for the airfare and trip to the island, then it just seems to keep tumbling on with the now rather hefty 98k Bell cost for getting a house.
If anything, I'd like to know if there is ever a time where I am actually finally free of the debt I owe to the Nooks, and there is nothing I need to do to pay them back?
Best Answer
To answer more specifically, here are all of the available house upgrades. Each upgrade is optional, apart from the house, which is required for the story. There is also no consequence to not paying back the debt. After the last upgrade, Nook offers free customization changes for life.
- Tent (5k miles)
- House and storage feature (98k bells)
- Larger floor plan (198k bells)
- Room in back of house (348k bells)
- Larger house and external decorations (548k bells)
- Rooms on left and right of first floor (758k bells)
- Second floor (1.2m bells)
- Basement (2.5m bells)
Pictures about "Am I in perpetual debt to Tom Nook?"



How much do you owe Tom Nook?
Animal Crossing: New Horizons Upgrade Costs From Tom Nook In total, a fully expanded Animal Crossing house with complete storage will set a player back 5,696,000 Bells. With the addition of one staircase and one bridge, the total comes to a startling 5,892,000 Bells.How many bells do you owe Tom Nook?
Moving to a deserted island isn't free, it seems, and now you owe Tom Nook about 50,000 bells (this game's form of currency). Luckily, Tom is considerate enough to let you pay your debt back in miles, like a sort of indentured credit card reward program.Tom Nook Freaks Out
Sources: Stack Exchange - This article follows the attribution requirements of Stack Exchange and is licensed under CC BY-SA 3.0.
Images: Mikhail Nilov, Mikhail Nilov, Mikhail Nilov, Mikhail Nilov
