Can You Sell Properties Back To The Bank In Monopoly? (Important Rules)

Have you ever been playing Monopoly and wondered about selling property back to the bank when you need money? Maybe you heard you could, but some people say that you can’t.

Well, in this article we will go over everything you need to know about selling properties back to the bank when you are playing Monopoly. 

So in Monopoly can you sell properties back to the bank?

Although you cannot technically sell your properties back to the bank, you can take out a mortgage against the properties to get some cash in your hand. Many people use this as a way to pay off debt to try and prevent having to file for bankruptcy/lose the game. 

Since it is against the rules to sell the property back to the bank what you can do instead is sell it to other players. They might be willing to buy it (even at more than what you paid) to keep the person that you owe money to from getting their hands on it.

If there are only two people left in the game then you are just plain out of luck unless you can raise enough money to pay your debt by selling houses/hotels and mortgaging the properties that you own.

If you would like to know more about if you can sell properties back to the bank, you will want to keep reading this article.

If you want to see some of the most popular Monopoly versions currently available, you can find them by clicking here.

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Mortgaging Properties In Monopoly

The first situation that can necessitate the mortgaging of properties is the need to raise cash quickly. In Monopoly, a player can decide to source funds at any time.

One thing that they need to remember though, is that if they mortgage their properties back to the bank, they would only receive about half of what the property was worth.

The owner also has some rules that they need to abide by when they are mortgaging a property. Before they can do this, they have to sell any building located on that color group at half the price they paid for them.

This is why you will want to make sure that you do not overbuild and leave yourself with no cash. If you do, you will find yourself selling back your houses, and losing money in the process. 

Exchanging Properties in Monopoly

There is no general Monopoly rule that states that you cannot buy property on the first round. Though some properties and houses have rules particular to them, you just have to be familiar with these rules.

As per some “house rules”, no property exchanging can occur until all properties are possessed by someone. Now, once that happens, play stops and a whirlwind of exchanging continues until all players are satisfied.

Exchanges might be made paying little mind to a player’s turn in the game. 

In the event that you are exchanging property for cash and attempt to swindle the other player by giving him wrong bills, the rules state that you will be sent to prison for three turns and should pay two fold to escape prison. You should then also compensate the player with the right sum.

No property can be exchanged in order to be put on a higher costing square. If the square is owned, a player can pay a large portion of a house cost to move a current house.

There are also special editions where some cards will tell you that every one of the players need to pick one of their cards to trade. You may pick your property for a constrained property swap. You then exchange a property with your opponent and they let you pick yours.

Housing Rules In Monopoly

One of the rules is that one player must possess all properties of the same color before having the option to purchase houses. Another house rule can be that building houses is permitted once all properties of a similar color have been sold, which overlooks the first standard claiming all properties of a similar color.

The greatest number of houses that can be assembled adheres to the first principles.

Another regular house rule is to disregard the quantity of accessible houses the bank has permitting players to construct them even if none are left (however, this goes against the normal Monopoly rules), One approach to monitor this number of houses is to just place them on one property, connoting that number on all properties of that color gathering.

Some house rules also permit a player to manufacture lodging legitimately, regardless of whether there’s insufficient houses in the bank (one hotel rises to five houses). Along these lines, a structure lack just influences poor players.

Another basic house rule permits players to expand on a specific property just when they land on it. Joined with the necessity that properties in a color bunch be used similarly, this makes advancement exceptionally delayed as it must be done to each house after the other. The official Monopoly rules permit five principle changes for this short type.

Virtual Games Of Monopoly

Let us look at a situation where Monopoly is being played using games or virtual money. We can actually say Monopoly can be called a gambling game when played in this sense. Why? This is because even though they are not using real currency but game money, the players are betting on events yet to come and situations in the game which they are not sure of; which are uncertain.

Why do we say these events are uncertain?

It is simply because we do not know the numbers that would come up when the dice is rolled. We also do not know in what order the community chest cards are arranged until we have seen then all, at least. The only thing that can but not necessarily tilt the game in favour of a particular opponent is experience and foreknowledge of the Monopoly game.

Monopoly using the virtual money is still a gamble but one of mild nature. A conclusion which is due to the fact that wagers are placed on uncertain gaming events, even though such wagers are not placed with real money.

Second, we will now look at a situation where the Monopoly game is being played using real money. This is the ideal situation where we could consider Monopoly to be a gambling game. In this type of gaming situation, the wagers are placed using real currency, this makes it more of a reality, more emotions and anger on the part of players would set in. In this situation, the winner takes all the cash. So this Monopoly type can be seen as real gambling.

In the process of gambling and buying as we can see above, a player can calculate and make a trade mistake which will then require him to sell some of those properties to the bank. He can of course do this by mortgaging back the properties to the bank at half the price.

A Little Bit About Monopoly

Monopoly is a board game currently published by Hasbro. In the game, players roll two six-sided dice to move around the game board, buying and trading properties, and developing them with houses and hotels. 

Players collect rent from their opponents, with the goal being to drive them into bankruptcy. Money can also be gained or lost through Chance and Community Chest cards, and tax squares; players can end up in jail, which they cannot move from until they have met one of several conditions. 

The game has numerous house rules, and hundreds of different editions exist, as well as many spin-offs and related media. Monopoly has become a part of international popular culture, having been licensed locally in more than 103 countries and printed in more than 37 languages.


We have seen that you most certainly can sell properties back to the bank. In two situations, when you are in need of cash and when you want to sell one property of the same color group. You can then choose to mortgage back to the bank at half the original cost if you are in need of money.

Although most people do not want to sell their houses, or mortgage their properties, sometimes this is needed to avoid bankruptcy. 

Matt Robbs

There is nothing quite so enjoyable as bringing back memories from your childhood. We used to spend hours playing pinball in my friends basement and that really got me involved in everything retro!

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