How much does a house cost?

  • I'm running my players through the Lost Mines of Phandelver starter campaign and the fighter character with an aversion to low standard living arrangements is interested in buying a local home that she could be comfortable in on their downtime. I have searched through the Player's Handbook and DM Guide and I cannot find anything about what kind of price range a simple house would cost. The closest I have found are some of the ships players could buy.

    Am I missing something and one of the books has a starting point? Or is there perhaps something in the greater D&D materials I could use as a base guide?

  • Adeptus

    Adeptus Correct answer

    6 years ago

    D&D 5e has abstracted this away into Lifestyle Expenses:

    Lifestyle expenses provide you with a simple way to account for the cost of living in a fantasy world. They cover your accommodations, food and drink, and all your other necessities. Furthermore, expenses cover the cost of maintaining your equipment so you can be ready when adventure next calls.

    (from Player's Basic Rules, p52)

    You can describe this as including the payments on a house loan, if they want to buy rather than rent. And if they decide to sell up and move, tell them the money they made on selling the old place goes towards paying for the new place.

    It's also addressed in the DMG on pg.127: "The cost of a normal residence isn't included here because it falls under lifestyle expenses, as discussed in the *Player's Handbook.*"

    Owners also have to pay taxes & maintenance (as a way of explaining expenses not in addition to). That way they're not thinking of recouping money on a sale.

    And don't forget that there may be restrictions on *who* can own land/structures, above and beyond who can afford it. Even in real life some regions would only allow nobility to own any real property.

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Content dated before 6/26/2020 9:53 AM