Build & Create-a-Sim
The §20k Challenge
A whole family home — kitchen, beds, a bathroom that works, somewhere to actually live — for the price of a modest car.
✦ Set your packs to confirm this works for you
Type
Build
Difficulty
Hard
Length
One build session
Best for
Builders who love a tight budget puzzle
Difficulty (1–5 plumbobs): 1 Casual · 2 Moderate · 3 Hard · 4 Brutal · 5 Extreme
📖 The story
A whole family home — kitchen, beds, a bathroom that works, somewhere to actually live — for the price of a modest car. Every Simoleon counts, and the magic is making twenty thousand feel like a hundred.
💝 The goal
Build a complete, fully livable **family home for under §20,000** total.
🎀 Packs required
✓ Base game only
Packs recommended
None
🏡 Setup
LotA medium empty lot
Funds§20,000 (hard cap)
AgingAny
SimsA family of four to "live test" it
🚀 Getting started
- Place an empty lot, set funds to exactly §20,000, and build within that — no topping up.
⌨️ Cheats to type
testingcheats truefreerealestate onfreerealestate offmoney 20000📋 General rules
- The final lot value (build + furnishings) must stay under §20,000.
- No money cheats after the initial set.
- The home must be genuinely livable for a family.
✨ Specific rules
- Include at least: a full kitchen, a bathroom, beds for four, and a living space.
- Every Sim's basic needs must be satisfiable in the home.
- `bb.moveobjects` for placement is fine; budget-bypassing cheats are not.
✅ What you can do
- Use `bb.moveobjects`; build by the room; pick the cheapest swatches.
- Set a working build budget with `money`, as long as the finished lot values under §20,000.
⛔ What you can't do
- Final lot value must stay under §20,000 — check it when done.
- No budget-bypass tricks; the home must be genuinely livable for a family.
🎯 Objectives — complete the checklist
0 of 5 done · 0%
🎮 If you don't own the packs
Fully base-game.
💡 Strategy tips
- Spend big on the few things that drive mood (beds, a decent bathroom, a fridge/stove) and cut hard on décor.
- A small, smart footprint beats a large empty one — walls and roofing eat budget fast.
- Buy-mode "starter" and base-game objects stretch §20k far further than DLC statement pieces.
💕 Milestones — track your progress
0 of 5 done · 0%
🔥 Want it harder?
- Drop the cap to **§12,000**.
- House a family of **six** under the same budget.
🎭 Variations
A §20k *off-grid* home, or a §20k home that must also look genuinely stylish, not just functional. ---
A popular community budget-build format. · Last tested: Patch 1.108 — Feb 2026