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Housing in Loftia centers on a personal floating island and a home that players can decorate. The announced customization options cover a range of furniture styles and aesthetics.
Personal and shared spaces

The island is a place for decoration, Farming, and Crafting. Players can link their floating islands to form Neighborhoods, bringing these activities into shared spaces.
Decoration
Estella is the furniture and decoration specialist among Loftia's residents. Her role focuses on helping people express their preferences through their homes.
The April 2026 Closed Beta included an early House Showcases feature. Players decorated a house to a theme, submitted it to a competition, and voted on other entries. The beta demonstration used Rainbow Dreams as an example theme; it does not establish a current competition.