Real estate in Agency Life: buy, rent out and build houses
Updated October 17, 2026
From a one-room flat by the railway to an estate on the hill: real estate is one of the safest ways to get rich in Agency City. You can live in a property, rent it out, renovate it, build on your own plot or use it as a hiding place.
The housing market
Every district has its own price level that moves every year. Each year there are also bargains: rushed sellers and foreclosure auctions with a discount. Property keeps its real value with inflation, unlike cash.
Prices by district
A selection of properties and their base prices:
| Property | District | Base price |
|---|---|---|
| One-room flat by the railway | Südstadt | €68,000 |
| Condominium | Südstadt | €120,000 |
| Flat with harbour view | Hafen | €175,000 |
| Terraced house on Gleisstraße | Industriegebiet | €205,000 |
| Loft at the harbour | Hafen | €290,000 |
| Corner house with four flats | Südstadt | €520,000 |
| Family house in the Nordend | Nordend | €690,000 |
| Town house by the fountain | Altstadt | €780,000 |
| Villa in the Nordend | Nordend | €1,250,000 |
| Penthouse above the city | Innenstadt | €2,200,000 |
| Residential tower with eight units | Innenstadt | €2,600,000 |
| Estate on the hill | Nordend | €4,200,000 |
Mortgages
The bank lends you money for a property, paid back in yearly instalments over 20 years. How much you can borrow depends on your legal income and rent: roughly seven years of it, minus loans you already have. A criminal record makes the interest more expensive. If you miss two instalments, the property is auctioned off, so do not overstretch.
Tenants and rent
Rented properties earn rent every year. Tenants have their own character: most pay on time, some are trouble. Events around your properties, from repairs to late rent, keep things interesting. Properties with several flats bring several rents.
Renovations and building orders
Properties have a condition. Renovating raises the value and the rent. On top of that you can place building orders: renovation, attic conversion, extension, pool, solar panels, garage, conservatory, an extra floor or a new facade in the colour of your choice. Orders run one after another and each takes one or two years.
The added value is roughly what you pay. Orders pay off through higher rent, better mood when you live there or extra flats, not through a quick resale.
Building plots
Plots in the newer parts of the city start at €85,000. Buy one, build your own house on it and watch it grow over the years.
Hiding places and storage
A property can also serve as a hiding place for cash: if you are arrested, the police will not find the money there, but there is a risk of a raid. As storage, it lets black market goods sell for more, although your wanted level rises a bit faster. You can even pay part of a purchase in dirty cash under the table, at the risk of having it seized.
Tips
Start small with a condominium or a flat at the harbour and rent it out. Watch for bargains every year. Use mortgages carefully, and keep the house your family lives in: in Agency Life, children who take over the family home pay no inheritance tax on it, see family and inheritance.
Keep reading
How to get rich in Agency Life: 10 tipsFrom your first paper route to a fortune: 10 tips for making money in Agency Life with careers, stocks, real estate, businesses and the occasional heist.Read guide 
Businesses in Agency Life: which shop is worth it?All six businesses in Agency Life from the kiosk to the casino, with price, profit and laundering capacity, plus expansions, advertising and raids.Read guide Family and inheritance in Agency Life: children, wills and dynastiesHow family, children, wills, inheritance tax and playing as the next generation work in Agency Life, and how to pass your fortune on.Read guide