Starfield offers players a plethora of experiences, and one of the most intriguing is the Dream Home trait. This trait allows players to own a luxurious house in the game, but it comes with its own set of challenges and considerations. Let’s delve into the details of the Dream Home trait, its benefits, and potential drawbacks.


The Dream Home trait in Starfield provides players with a luxurious, customizable house on a peaceful planet. However, this luxury comes at a price. Players who choose this trait will start the game with a 125,000 credit mortgage from GalBank, which needs to be paid off weekly.

Official Description: “You own a luxurious, customizable house on a peaceful planet! Unfortunately, it comes with a 125,000 credit mortgage with GalBank that has to be paid weekly.”

How Does the Dream Home Trait Work?

  • Unlocking the Dream Home: The Dream Home trait becomes accessible after completing the “One Small Step” story mission. Once unlocked, players can explore space freely and locate their dream home.
  • Accessing the Home: Initially, the dream home is locked. To gain access, players must pay 500 credits. This payment grants access to the house for an in-game week. However, this weekly payment does not reduce the total mortgage amount. The 125,000 credit debt can only be paid in full.
  • Paying Off the Mortgage: To clear the 125,000 credit debt, players need to visit the GalBank in New Atlantis and speak to Landry Hollifield. After a series of interactions, Landry will present the option to pay off the debt in full or foreclose on the house. Foreclosing results in the loss of the Dream Home trait and any items stored inside the house.

Location of the Dream Home

The Dream Home is situated on the planet Nesoi in the Olympus System. Players can easily identify the house on the planet’s map, labeled as “[player name’s] home”. Upon landing, a short walk up a hill leads to the dream home.


Is the Dream Home Trait Worth It?

The value of the Dream Home trait largely depends on individual playstyles:

  • Pros:
    • Provides a customizable space early in the game.
    • Acts as a storage space for items.
    • Offers a unique in-game experience of owning and customizing a home.
  • Cons:
    • Starts players with a significant debt.
    • Weekly payments do not reduce the principal mortgage amount.

For players who desire a cozy Starfield experience with a touch of home life, the Dream Home trait is a fantastic choice. However, those more inclined towards exploration and combat might find the trait less appealing. It’s also worth noting that players can purchase other houses in the game, and outposts can serve as storage spaces.

How To Remove Dream Home Trait

To remove the Dream Home Trait in Starfield you need to visit Landry Hollifield at Galbank in New Atlantis. During your conversation say that “‘I want to talk about my house on Nesoi” and then say “The bank can have the house. Go ahead and foreclose.”

Additional Tips

  • Players can decorate their Dream Home with various items, including tool benches, furniture, weapon displays, and more. Resources are required for crafting specific decor.
  • The Dream Home can also serve as a safe space for storing contraband, as it’s exempt from ship contraband scans.

The Dream Home trait in Starfield offers a unique gameplay element, blending the thrill of space exploration with the comforts of home. Whether it’s worth the investment is a decision each player must make based on their gameplay preferences and objectives. Regardless of the choice, the universe of Starfield promises a myriad of adventures waiting to be explored.



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