All 8 Player House Locations in Forza Horizon 6 & Their Perks

Why Houses Matter More Than Cars

In previous Horizon games, houses were cosmetic. You bought them for fast travel points and bragging rights. In Forza Horizon 6, houses are investments. Each one comes with permanent passive perks that boost your earnings, unlock progression systems, or save you money on every purchase.

The order you buy houses in directly affects how much money you make across your entire playthrough. Buy the right house early and it compounds. Buy the wrong one first and you’ve wasted credits that could have been multiplying.

Here’s every house, what it does, and when to buy it.

1. Mei’s House — Ohtani Region

Price: Free (unlocked automatically at game start) Perk: Wheeler Dealer

Your starting home. No purchase required — it unlocks during the tutorial sequence. The Wheeler Dealer perk enables car trading at the Autoshow. Nothing game-changing, but it’s free, so it’s free value.

This is also your default fast travel point and garage. You’ll spawn here every time you boot the game unless you change your home base later.

2. Yashiki House — Hokubu Region

Price: 10,000 CR Unlock Requirement: None (available immediately) Perk: Estate Builder

Buy this within your first hour. 10,000 CR is pocket change — you’ll earn it in your first two races. The Estate Builder perk unlocks property customization, which is a separate progression system with its own reward track.

Think of it like buying a workshop. Once active, you gain access to cosmetic and functional upgrades for your properties that also feed back into your credit earnings. The sooner you activate this system, the more time it has to accumulate rewards.

3. Minka House — Ito Region

Price: 450,000 CR Unlock Requirement: Blue Stamp Access (2nd Discover Japan stamp) Perk: Credit Stunts (+10% credits in Horizon Stunt Party events)

A solid purchase if you enjoy PR stunts — speed zones, danger signs, drift zones. The 10% bonus applies to all Stunt Party credit payouts. If stunts are your primary grind activity, this compounds nicely. If you mostly do road races, it’s lower priority.

The Ito region is coastal, so this house also serves as a convenient spawn point for beach-side races and the southern portion of the map.

4. Hakusan Mountain Lodge — Sotoyama Region

Price: 635,000 CR Unlock Requirement: Pink Stamp Access (3rd Discover Japan stamp) Perks: Cool Credits (+10% in Horizon Life events) + Additional Garage Slot

This is the house that matters most. The +10% on Horizon Life events applies to almost everything you do in free roam — races, challenges, deliveries, online events. Combined with assist bonuses (up to +50%), you’re earning 60% more credits on the majority of your gameplay.

Buy this as your second purchase after Yashiki. Yes, 635,000 CR takes a few hours to save. But every credit you earn after buying it is worth 10% more. Delaying this purchase by a week costs you hundreds of thousands of credits in lost bonuses.

The Additional Garage Slot is a nice secondary perk — it lets you display one more car in your personal garage. Not critical, but appreciated.

5. Fuji Unkai House — Shimanoyama Region

Price: 830,000 CR Unlock Requirement: Orange Stamp Access (4th Discover Japan stamp) Perk: Career Driver (+10% credits when completing Horizon Jobs)

The Career Driver perk boosts credits earned from Horizon Jobs — deliveries, photo assignments, and other freelance activities. A solid passive bonus if you run jobs regularly between races.

Best purchased after Hakusan once you have stable income. The Shimanoyama region is mountainous — expect tight hairpins and elevation-heavy racing from this spawn point.

6. Tokyo House — Tokyo City

Price: 3,000,000 CR (free with VIP Pass) Unlock Requirement: Reachable after story progression opens Tokyo fully Perk: Daily Wheelspins

Three million credits is a serious investment. The Daily Wheelspin perk gives you one free Wheelspin every 24 hours (real-time). Wheelspins can award anywhere from 5,000 CR to rare cars worth millions.

The math on this is probabilistic. On average, Daily Wheelspins return about 30,000-50,000 CR per day in value. At that rate, the house pays for itself in roughly 60-100 days. Not great return-on-investment compared to Hakusan, but the variance is what makes it interesting — one lucky spin could give you a car worth more than the house cost.

If you own the VIP Pass (included in Premium Edition), this house is free. In that case, it’s an automatic claim with zero downside.

7. Soko 78 — Tokyo City (Docks)

Price: 980,000 CR Unlock Requirement: Purple Stamp Access Perk: Import/Export (5% discount on Autoshow purchases)

A warehouse-style property near the Tokyo docks. The 5% Autoshow discount sounds small, but do the math on expensive cars. A 20,000,000 CR hypercar now costs 19,000,000 CR — that’s a million saved on a single purchase.

If you’re the type of player who buys lots of cars from the Autoshow (collectors, completionists), this house pays for itself quickly. If you primarily acquire cars through Wheelspins and Auction House, it’s lower priority.

The docks location is convenient for street racing events in Tokyo’s industrial district.

8. Vision House — Ohtani Region

Price: 1,500,000 CR Unlock Requirement: Gold Stamp Access (requires significant Discover Japan progress) Perks: +10% Skill Score on LINK Skills + Display Car Locator slot

The last house to unlock, gated behind Gold Stamp. The LINK Skill bonus is specialized — it only applies to chained skills (combos where you link multiple stunts together). Skilled players who routinely hit 500,000+ skill chains benefit significantly. Casual players barely notice the difference.

The Display Car Locator slot is purely cosmetic.

Optimal Purchase Order

For maximum credit efficiency across your playthrough:

1. Mei’s House — Free, automatic
2. Yashiki House (10,000 CR) — Buy in first hour, unlocks Estate Builder
3. Hakusan Mountain Lodge (635,000 CR) — Rush this. +10% on everything compounds massively
4. Minka House (450,000 CR) — If you enjoy stunts; skip temporarily if you don’t
5. Fuji Unkai House (830,000 CR) — +10% on Horizon Jobs, buy when stamps allow
6. Soko 78 (980,000 CR) — Buy before expensive Autoshow purchases
7. Tokyo House (3,000,000 CR) — Late-game or free with VIP
8. Vision House (1,500,000 CR) — Last unlock anyway due to Gold Stamp gate

Total investment for all 8 houses: approximately 7,405,000 CR (minus Mei’s House). If you have the VIP Pass, subtract 3,000,000 for Tokyo House.

One More Thing: Spawn Points

Each house doubles as a fast travel point and session spawn. Before quitting the game, fast travel to whichever house is closest to where you want to play next. You’ll load in there when you return. Small quality-of-life thing that saves a few minutes every session.