The Dream Home trait gives you a house in Starfield — and also saddles you with debt. Here’s where to find your house, and if the Dream Home trait is worth it.
If you’re ready to start your space property portfolio in Starfield, you can get a villa right from the start. The Dream Home trait, which you can choose during character creation, provides access to a fancy villa on a friendly planet. However, there are a few caveats to consider before diving headfirst into home ownership.
To make sure you’re not caught out by any small print, we’ve covered the entire process below, including how the Dream Home trait works, how to find your Dream Home, and how to pay it off, plus a breakdown on if the Dream Home trait is worth it.How the Dream Home Trait works
Once you’ve spent the customary few hours designing your avatar, you’ll need to pick some traits that will further ground your character. The Dream Home trait saddles you with a hefty debt from the get-go in return for immediate access to one of the best properties in the game.
The debt we’re talking about is a mortgage to the tune of 125,000 credits, which you’ll owe to Starfield’s intergalactic GalBank. To own the house and use it freely, you will need to pay this debt off. Think of GalBank like a celestial Tom Nook who wants all the money upfront. However, especially in the early game, earning 125,000 credits is a tall order.
Alternatively, you can pay 500 credits on a weekly basis to get in the door before settling the debt, though notably, these installments will not deduct anything from the total sum owed. Thankfully, unlike an actual mortgage, if you don’t pay, GalBank won’t evict you. You just won’t be able to get into the house without paying a fee.
If you can cope with paying 500 credits per week, there really is no pressure to settle the debt right away, or at all.
