How to Buy a House in BitLife Fast: Easy Guide with Money Hacks & Achievements

Picture this: You’ve been tapping away at your screen for the last twenty minutes. You started your life in a small town, suffered through school, maybe got rejected by a crush or two, and now you’re finally an adult. You’re tired of your character living in their parents’ basement or renting a cramped apartment where the rent keeps going up. You want that taste of luxury. You want a place to call your own.

Buying a house is one of the biggest milestones in real life, and it is just as significant in BitLife. It is more than just a roof over your head; it is a status symbol, a massive booster for your happiness stats, and arguably the best way to build generational wealth to pass down to your children. But let’s be honest—real estate in this text-based life simulator can be shockingly expensive. If you don’t know what you are doing, you might find yourself denied for a mortgage or, worse, bankrupt within a year.

What You Need to Know Before Buying a House in BitLife (Prerequisites)

Before you rush off to the real estate agent, you need to understand the lay of the land. Just like in the real world, you can’t simply walk into a mansion as a toddler and slap some cash on the counter. There are rules, regulations, and financial hurdles you need to clear first.

The Basic Requirements

First and foremost, you need to be an adult. The game mechanics strictly prohibit anyone under 18 from purchasing property. Even if you became a famous child actor and have millions in the bank at age 14, you have to wait until that 18th birthday candle is blown out before the “Assets” menu opens up for real estate.

The Financial Cushion

Here is where most players mess up. You see a house listed for $200,000, and you have exactly $200,000 in the bank. Do you buy it? Absolutely not.

Owning a home in BitLife comes with invisible strings attached: Monthly Expenses. You have to pay for:

• Property taxes (which vary wildly by country).
• Maintenance and upkeep.
• Unexpected repairs (like a leaking roof or a broken heater).

If you drain your bank account to zero to buy the house, the very next year you click the “Age” button, you might go into debt. Once you are in debt, your stress levels spike, your health drops, and the bank might eventually repossess your home. A good rule of thumb is to have at least 50% more than the purchase price of the house saved up before you buy.

Why Houses Matter

Why go through the trouble? Why not just rent?

1. Passive Income: Later in the game, you can rent out your properties. This turns your house from a liability into a cash-printing machine.
2. Asset Appreciation: In almost every game, real estate prices go up over time. A house you buy for $100,000 today might be worth $10M when your character is 90 years old. It’s the best savings account in the game.
3. Happiness & Health: Living in a nice house significantly boosts your happiness bar. If your happiness is high, you perform better at work, get more raises, and live longer.

House Prices by Country

One pro tip: where you live determines what you pay. If you want a mansion but only have a little bit of money, consider emigrating to a country with a lower cost of living.

Country Average Starter Home Average Luxury Mansion Property Tax Rate

USA $150,000 $5,000,000+ High

United Kingdom $200,000 $8,000,000+ Moderate

Monaco $1,000,000+ $20,000,000+ 0% (Tax Haven)

Saudi Arabia $80,000 $2,000,000 0% (Tax Haven)

India $30,000 $1,000,000 Low

Step-by-Step Guide: How to Buy a House in BitLife

Now that you know the basics, let’s get into the core tutorial. This is your roadmap to ownership. Follow these steps, and you will secure how to buy a house in BitLife without the headache of rejection.

Build Your Wealth Foundation

You need a steady stream of income. The moment you graduate high school, you are at a crossroads. To buy a house fast, you need a high-paying career.

• The Academic Route: If your character has high “Smarts” (80+), go to University. Majors like Biology, Chemistry, or Political Science open doors to Medical School or Law School. A Brain Surgeon or a Chief Justice can easily make $200,000 to $500,000 a year.
• The Fame Route: If your character has high “Looks” (80+), try to become a Voiceover Actor, Model, or Writer. These jobs have a “Fame” multiplier. Once you become famous, your salary can jump from $50,000 to $4,000,000 a year in a hurry.

Don’t ignore the side hustles. In your early years (18-22), use the “Freelance Gigs” option or “Part-Time Jobs” to build that initial nest egg while you study.

Save Aggressively

It is tempting to buy a car as soon as you can drive. Don’t do it. Cars in BitLife are depreciating assets. They lose value every single year and cost money to maintain.

Instead, live frugally. Keep your expenses low. If your parents are generous, live with them until you have enough for a down payment. Avoid expensive vacations or plastic surgery until you have your property secured. The goal is to hit that “Cash” threshold where the bank trusts you.

Access the Real Estate Menu

Once you have your job and some savings (let’s aim for $50,000-$100,000 for a starter home), it’s time to shop.

1. Tap on the Assets tab at the bottom left of the screen.
2. Scroll down to the section labeled Real Estate.
3. Tap on Go Shopping.

You will see two real estate brokers. One usually sells newer, nicer houses, and the other might sell older, cheaper, or even haunted houses. Check both lists.

Choose & Buy (Cash vs. Mortgage)

You will see a list of available properties. They range from “Trailer” and “Tiny House” to “Manor” and “Palace.”

Filtering your choice: Look at the Condition bar. A house with the orange or green condition bar is great. If the bar is red, the house is dilapidated. It will be cheap to buy, but you might get hit with a “renovation needed” event immediately.

The Payment Method: When you click on a house, you have two options:

• Pay with Cash: You pay the full amount upfront. This is the safest option because you have no monthly loan payments, only taxes.
• Apply for a Mortgage: The bank pays for the house, and you pay them back monthly with interest.
  • Tip: Only take a mortgage if your monthly salary is at least 3x the monthly mortgage payment. If your income is unstable (like an Actor), the bank might reject you.

Post-Purchase Management

Congratulations, you are a homeowner! But the work isn’t done.

• Renovations: Go to Assets > Your House > Renovate. Paying a few thousand dollars to renovate can instantly increase the house’s value. This is crucial if you plan to sell it later for a profit.
• The Party Trick: You can throw a party in your house to increase popularity, but be careful—wild parties can trash the place, lowering its condition.

Verify Success

Head back to your main screen. Look at your Net Worth. It should have spiked because your cash is now an asset. Also, check your Happiness bar—it should be nearly full. If you see these two things, you have successfully mastered the art of the purchase.

Fastest Money Hacks to Afford a House in BitLife

Okay, doing it the “honest way” takes time. What if you want that mansion now? What if you want to know how to buy a house in BitLife in your 20s without going to medical school? Here are the cheats, hacks, and exploits (game mechanics) to get rich quick.

Career Hacks: The Fame Monster

The absolute fastest way to get “house money” without a degree is through the Pornographer-to-Actor pipeline or becoming a Musician.

• The Strategy: Keep your looks at 100% (hit the Gym and go for Walks every year). At age 18, apply for the “Voiceover Actor” or “Foot Model” job.
• The Grind: Work harder every year. Once you get promoted to “Lead Actor” or “Supermodel,” you will gain the “Famous” ribbon.
• The Payoff: Famous characters can do “Commercials” (found in the Fame tab). A single commercial can pay $2,000,000. That is a mansion right there in one tap.

Gambling Exploits: The High-Stakes Method

This requires a bit of patience, but it is a guaranteed way to make millions if you are careful.

1. Go to the Casino.
2. Bet the highest amount possible.
3. Play Blackjack. The goal is to get closer to 21 than the dealer without going over.
   • The Hack: If you lose the hand (the dealer wins), immediately close the BitLife app (swipe it away on your phone) before you tap “Continue.” Do not let the game save.
   • When you re-open the app, your money will still be there as if the hand never happened.
   • If you win, the game autosaves your winnings. Rinse and repeat until you have $10M.

Side Hustles: Crime and Heists

If you don’t mind living on the edge, a life of crime pays well.

• Train Robbery: The most lucrative crime. You can rob a train for $10M-$30M+.
  • The Catch: The time you pick to rob the train MUST match the actual time on your real-world clock. If you choose “High Noon” (12:00 PM), it must actually be 12:00 PM in real life. If you mess this up, the train runs you over, and you die.
• Grand Theft Auto: Stealing cars and selling them on the black market is quick cash ($20k-$50k per car). It’s great for saving up for a down payment on a starter home.

Inheritance & Marriage: The “Black Widow” Strategy

This is morally questionable, but highly effective in BitLife.

1. Use the “Dating App” to find a partner.
2. Set the desired net worth to the maximum.
3. Find someone old (80+) with high money stats.
4. Date them, marry them (sign NO prenup), and wait for nature to take its course.
5. When they pass away, you inherit their estate.
6. Alternative: If you are impatient, you can use the “Hitman” option (under Crime) to speed up the process, though this carries a risk of jail.

Investment Plays

In recent updates, BitLife added a Stock Market and Crypto.

• Crypto: This is volatile. Sometimes a coin spikes 300% in a year. If you put your savings into crypto and get lucky, you can buy the whole neighborhood.
• House Flipping: Buy a cheap, bad-condition house. Renovate it once. Sell it immediately. You can often make a $30k-$50k profit per flip. Do this ten times, and you have enough for a luxury home.

Method Risk Level Potential Reward Time Required

Medical School Low High ($200k/yr) 10+ Years

Gambling Exploit Medium Massive ($10M+) 15 Minutes

Train Robbery High (Death) Massive ($30M+) Instant

Marriage Low High (Inheritance) 2-5 Years

Best Houses to Buy in BitLife & Why They Pay Off

Not all houses are created equal. When you scroll through the list, you might feel overwhelmed by the choices. Here is a breakdown of the best property types to target depending on your current life stage.

The Budget Starter: Trailers and Tiny Houses

• Price: $15,000 – $45,000
• Why Buy: If you are working a low-paying job (like a Grocer or Janitor), these are perfect. They get you out of your parents’ house and stop the “nagging” events. They are cheap to maintain.
• Downside: They don’t appreciate very much. You won’t get rich selling a trailer.

The Mid-Tier: Suburban Homes, Lofts, and Condos

• Price: $150,000 – $600,000
• Why Buy: These are the sweet spot for the “Average Joe” challenge. They appreciate nicely. A $200k house can easily be worth $500k after 30 years. They also provide a solid happiness boost for raising a family.
• Bonus: Easy to rent out. Virtual tenants love a good 3-bedroom suburban home.

The Luxury Tier: Mansions, Penthouse, and Villas

• Price: $2,000,000 – $10,000,000+
• Why Buy: For the status. If you are a movie star or a CEO, you need a mansion. The appreciation on these is massive. A mansion can gain $1M in value in a good year.
• Warning: The upkeep is brutal. A mansion can cost $50,000 a year to maintain. Ensure you have the income to support it.

The Ultra-Rare: Castles and Palaces

• Price: $10,000,000+
• Why Buy: These are usually only available in monarchies (UK, Spain, etc.) or, if you are extremely lucky, elsewhere. They are the ultimate flex. Owning a castle is often required for certain achievements.

Haunted Houses: The Wild Card

• Price: Usually 30-50% cheaper than market value.
• The Gimmick: They come with ghosts. The ghosts have “Active” and “Friendly” bars.
• Risk: An active, unfriendly ghost can attack you. However, you can hire an Exorcist. If the exorcism works, the house becomes a normal house, and its value instantly skyrockets to full price. This is a great way to make money if you survive!

BitLife Achievements Tied to Buying Houses

Gamers love trophies, and BitLife is full of them. Buying real estate isn’t just about virtual comfort; it’s about unlocking those shiny badges on your profile. Here are the key achievements linked to property.

Landlord

• Requirement: Be a landlord.
• How to get: Buy a property, go to the asset menu, and select “Rent.” Find a tenant. This unlocks the achievement and opens up a new income stream.

Real Estate Mogul

• Requirement: Sell real estate for a profit.
• How to get: Buy a house, wait 10-20 years (or renovate it), and sell it for more than you bought it.

Trailer Trash

• Requirement: Live in a trailer for a certain number of years.
• How to get: Buy a manufactured home or trailer and refuse to upgrade, even if you become rich.

Manor/Castle Owner (Hidden Achievements)

• Requirement: Own a castle.
• How to get: Be born in the UK or a European country. Look for “Castle” in the listings. You usually need $10M+ to see these appear.

Exorcist

• Requirement: Exorcise a ghost from your own home.
• How to get: Buy a haunted house. When the ghost pops up, choose the option to hire an exorcist or try to do it yourself (if you have the job).

Strategy for Achievement Hunters

If you want to unlock multiple achievements in one life, start as a Royal or a Music Star. Use your massive wealth to buy one of every type of house (Trailer, House, Mansion, Castle). Then, become a landlord for all of them. You will pop 3-4 achievements in a single lifetime.

Common Mistakes When Buying a House in BitLife & Fixes

Even experienced players fall into traps. Here are the most common ways players ruin their finances through real estate, and how you can avoid them.

Overspending Early

The Scenario: You get your first job paying $30,000. You get approved for a mortgage on a $200,000 house. The Result: Your monthly expenses (Mortgage + Tax + Upkeep) exceed your monthly income. Your bank balance turns negative. You can no longer go to the doctor or gym. The Fix: Never buy a house where the mortgage payment is more than 30% of your monthly take-home pay. Start with a 1-bedroom condo or a trailer. Upgrade later.

Ignoring Country Taxes

The Scenario: You move to the United States or France and buy a $10M mansion. The Result: You get hit with an Estate Tax or high property tax that drains millions over your lifetime. The Fix: If you plan to build a massive real estate empire, live in Monaco or Saudi Arabia. These countries have 0% income tax and very favorable property laws, meaning you keep more of your money.

The “Asset Liquidity” Trap

The Scenario: You put 100% of your cash into houses. Suddenly, you get sued, or you need to pay for a divorce settlement. The Result: You are “house poor.” You have assets, but no cash. Selling a house in BitLife takes time (usually a year to sell at full price). You might be forced to sell at a loss to get cash quickly. The Fix: Always keep at least $100,000 in liquid cash (in the bank) for emergencies.

Buying Haunted Houses Without Checking Health

The Scenario: You buy a cheap haunted Victorian home. A ghost attacks you. The Result: Your health drops to 0%, and you die. Game Over. The Fix: Only buy haunted houses if your Health and Happiness stats are at 100%. If a ghost attacks, go to the Doctor immediately.

Advanced Tips: Level Up Your BitLife Real Estate Empire

You’ve bought a house. You’ve made some money. Now you want to rule the world. Here are a few advanced tips for the power users.

The Multi-Generational Portfolio

If you have God Mode or Bitizenship (the paid features), you can switch to your child’s life before you die.

• The Strategy: Buy 10 houses in your current life.
• The Will: Ensure your “Will & Testament” leaves 100% of your assets to one child.
• The Switch: When you die and take over that child, they will inherit all the properties. They can sell them for a massive profit or keep renting them out. This is how players reach Billions in net worth.

The “Flipping” Career

You don’t actually need a job in BitLife if you are good at real estate.

1. Buy 5 houses.
2. Renovate them all.
3. Each year, check their value.
4. Sell the ones that have appreciated significantly.
5. Reinvest in new properties. You can roleplay as a Real Estate Tycoon without ever clocking into an office.

Protecting Assets from Divorce

If you get married, your spouse owns half your stuff. If you divorce, they take half your houses.

• Always make your spouse sign a Prenup.
• If they refuse, don’t marry them (or elope and hope for the best).
• If you forget a prenup and want a divorce, sell all your houses before the divorce, gamble the money away (using the lose/quit glitch), divorce them with $0 in the bank, and then reverse the gamble glitch. It’s sneaky, but it works!

FAQ: How to Buy a House in BitLife

Here are some quick answers to the most frequently asked questions about buying a house in BitLife.

Q: How much money do I need to buy a house in BitLife? A: You generally need a minimum of $10,000 for a trailer, but for a decent house, aim for $100,000 in savings to cover the down payment and fees safely.

Q: Can you buy a house as a kid in BitLife? A: No. The minimum age to access the Real Estate menu is 18.

Q: What is the fastest way to buy a house? A: The fastest method is to play the “High Stakes” gambling strategy at the Casino or steal cars (Grand Theft Auto) to build up quick cash for a down payment.

Q: Why can’t I get a mortgage in BitLife? A: The bank will reject you if your income is too low compared to the monthly payments, or if you have too much existing debt (like student loans).

Q: Do houses in BitLife make money? A: Yes! Houses appreciate over time (usually), and you can earn passive income by renting them out to tenants.

Q: How do I sell my house in BitLife? A: Go to Assets > [Your House] > Sell. You can list it at market value. It may take a year (“Age Up”) to find a buyer.

Q: Is it better to buy with cash or a mortgage? A: Cash is always safer because it eliminates monthly interest payments. However, a mortgage allows you to buy a better house sooner if you have a stable high-income job.