Introduction: Join the 1% that Actually Know the Rules
Welcome to the exciting world of Monopoly, a classic board game where strategy, luck, and savvy real estate decisions come together. Outmanoeuvre your opponents to monopolise the board while carefully avoiding arguments with the rest of your family.
Families worldwide have been getting the rules wrong in this game for generations. This guide will ensure you don’t make the same mistakes and make you the know-it-all you’ve always wanted to be.
Table of Contents
Setting Up
Choosing the Banker
One player will be responsible for looking after all the money in the Bank. It’s an important job, and I strongly suggest you assign the role to your most trusted friend! The banker’s roles include:
- Initial Setup: Distributes starting funds to all players. See the ‘Starting Money’.
- Transactions: Manages all financial exchanges, including salaries when players pass ‘Go’ ($200) and card penalties.
- Property Management: Handles sales, auctions, and mortgages.
- Rule Enforcement: Ensures all players follow the game’s rules.
Starting Money
At the beginning of Monopoly, the banker’s responsibility is to distribute each player’s starting funds. Each player receives $1,500, divided into different denominations:
- $500 x2
- $100 x2
- $50 x2
- $20 x6
- $10 x5
- $5 x5
- $1 x5
Choosing the Tokens and Who Goes First
Before the game begins, each player selects a token from the box and places it on the ‘Go’ square; see here for more information on the ‘Go’ square and other non-property squares.
Following this, everyone rolls the dice to determine the playing order. The player who rolls the highest number starts the game. After the first player is established, play proceeds clockwise around the board.
Square Types
Non-property Squares
Monopoly features seven unique types of squares that cannot be purchased, each bringing a unique special effect to the game. From the ‘Chance’ and ‘Community Chest’ cards that bring unexpected twists to the ‘Tax’ squares that rob you of your hard-earned cash, these squares add a surprise element to the game. For more details, click the blue icons on the squares below.
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Squares
In addition, the game includes ten distinct property sets: one set of four train stations, one set of two utilities, and eight colour-coded property sets, ranging from the humble browns to the prestigious dark blues. Acquiring parts of these sets can yield a modest profit, but owning a complete set is vital to victory. Owning a coloured set allows you to build houses and hotels, significantly increasing your rental income. Click on the blue icons on the property squares below for more information.
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With this knowledge of property types, let’s explore the ‘Land on a Property’ flowchart. This tool will guide you through the rules and decisions you’ll face when you land on various squares. Whether it’s a stroke of luck or a twist of fate, this flowchart will help you navigate your turns. Be sure to use the flowchart’s clickable for information and navigation.
Hint: Clicking the pictures of the linked chains in the orange clickables will take you to the appropriate flowchart.
Land on a Property Flowchart
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Our first flowchart serves as a cornerstone for understanding the game’s mechanics. The orange blocks are especially crucial, as they link to other flowcharts in the article, creating an interconnected map of Monopoly’s rules.
Let’s delve into some crucial points from the landing flowchart:
Landing on a Mortgaged Property: If you land on a mortgaged property, you owe nothing to its owner. To understand more about mortgaging, refer to the ‘Mortgage/Unmortgage Properties’ flowchart.
Insufficient Funds to Pay Rent: When you land on a property owned by another player but lack enough cash to pay rent, you can enter an emergency’ Business Phase’. This phase allows you to raise funds. For details, check out the ‘Business’ flowchart.
Bankruptcy: If you cannot raise the necessary funds even after the Emergency Business Phase, you face bankruptcy. The ‘Bankruptcy’ flowchart explains the different types of bankruptcy in the game and how to navigate them.
Auctioning Unwanted Properties: A lesser-known but critical rule is that unowned properties a player chooses not to buy must be auctioned off to the highest bidder. This auction phase can be exciting and dramatically accelerate the game’s pace. Learn about its mechanics in the ‘Auction’ flowchart.
Buying a Desired Property Without Sufficient Funds: If you land on a property you wish to buy but can’t afford, you can again use an emergency’ Business Phase’ to raise the needed cash. The ‘Business’ flowchart will guide you through this process.
Auction Flowchart
When a player lands on an unowned property in Monopoly, they have two choices: buy it for the listed price or initiate an auction. The game’s rules don’t specify in detail how the auction should be conducted, so here’s an example of how you could approach it:
Example: You land on an unowned property. You don’t want to buy it, so you start an auction. Bidding starts at $1 and increases until no higher bids are made.
More detailed guidelines are summarised in the ‘Auction’ flowchart, which visually represents the auction process. Following these steps, auctions in Monopoly can be conducted smoothly and fairly, adding an engaging and strategic element to the game.
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In exploring Monopoly’s rules, both the landing and auction flowcharts highlight the concept of ‘Emergency Business Phases’ — crucial moments when we need to generate cash quickly. You can raise funds by selling houses you’ve built, mortgaging properties you own, or trading resources with other players. Utilising these actions is vital, especially when faced with unexpected expenses. They are all covered in the ‘Business’ flowchart.
Conversely, when you find yourself in a more prosperous position with surplus cash, these processes can be reversed to further your advantage. You might invest in new houses, lift mortgages off your properties, or acquire valuable resources from other players through trading.
It’s important to note that while you can conduct most business activities at any point during your turn, there are restrictions on buying or selling houses; these transactions can’t be done during another player’s turn.
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more detailed guidance on:
- Buying or Selling Houses: Refer to the ‘Buy or Sell Houses’ flowchart.
- Mortgaging or Unmportgaging Properties: Look at the ‘Mortgage or Unmortgage Properties’ flowchart.
- Trading: Explore the ‘Trading’ flowchart.
Buy or Sell Houses Flowchart
In Monopoly, once you’ve acquired all the properties in a particular colour-coded set, you can build houses on them, enhancing their value. Before you start building, it’s essential to consult the ‘Buy or Sell Houses’ flowchart. This flowchart helps you determine when you can or cannot buy houses, ensuring you adhere to the game’s rules.
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There are five levels of building development on a property, with each level corresponding to a specific number of houses or hotels:
Level 0 No houses
Level 1 One house
Level 2 Two houses
Level 3 Three houses
Level 4 Four houses
Level 5 Five houses
Level 5 represents the maximum development for a property. Also, it’s important to remember that properties within the same colour set must be developed evenly – you cannot jump to building a hotel on one property without having developed the others in the set to a similar level. Let’s look at some examples to understand this rule better.
Examples
Example 1
The first brown Street is at level 2 and the second is at level 0. This is not allowed, since the level may differ by at most 1.
Example 2
There are 3 Cyan Streets. In this example, their levels are 0,1, and 0, respectively. This is fine, since no two Streets differ by more than 1 level.
Example 3
The first and third streets may be at the same level 3, but the second street is still at level 0. This difference of 3 is too high.
Example 4
The level differences are fine here. At levels 1, 0, and 1, all property levels differ by at most 1. The problem is that property 2 is mortgaged, meaning it is illegal to build houses on any of the properties.
Example 5
The streets here are at levels 4, 5, and 4, respectively, which is fine. The problem is there weren’t enough houses left in the box, and this player used a coin instead. Once the houses in the box run out, you must wait for another player to sell one.
Example 6
This player has tried to take property 1 to level 6. The maximum level is 5.
Example 7
These two properties are at levels 5 and 4, which is fine. The problem is that at level 5 we should have a single hotel and no houses. This player should remove all 5 houses and replace them with a hotel.
Example 7 continued
Trading the houses for a single hotel fixes the problem.
Mortgage or Un-mortgage Properties Flowchart
In Monopoly, mortgaging a property can be a great way to gain a quick cash boost. Each property card has a designated mortgage value on its back. This value represents the amount you can receive from the Bank when you mortgage that property. However, there are essential rules to remember when considering a mortgage:
Restrictions on Mortgaging Properties with Buildings: If you have any buildings (houses or hotels) on properties within a colour set, you cannot mortgage any property in that set. For instance, if you have buildings on any of the Yellow properties, you must sell all these buildings before you can mortgage any Yellow property. This rule applies to all colour sets. Refer to the ‘Buy or Sell Houses’ flowchart to learn about selling buildings.
Deactivation of Mortgaged Properties: When a property is mortgaged, it becomes inactive. This means other players will not pay rent when they land on it. There is a trade-off between immediate cash and potential future earnings.
Cost of Unmortgaging: To reactivate (un-mortgage) a property, you must pay the Bank 10% more than the original mortgage value. This extra cost represents the Bank’s profit from providing the loan. Consider mortgaging as taking out a high-interest loan against the property’s value.
These critical points are summarized in the ‘Mortgage or Unmortgage Properties’ flowchart, which provides a visual guide to help you understand when and how to mortgage properties effectively.
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In Monopoly, one of the key strategies to winning is obtaining colour sets and building houses and hotels on them. However, completing these sets often requires savvy trading, especially when another player holds a property you need. Effective trading can break deadlocks and pave the way to victory.
When considering your first trade, keep these crucial details in mind:
Restrictions on Trading Developed Properties: You cannot trade properties that have houses or hotels on them within the same colour set. For example, you can’t trade a Yellow property if any Yellow properties have buildings. This rule applies to all colour sets.
Trading Resources: The primary resources for trading are property and cash. Occasionally, ‘Get Out of Jail Free’ cards can also be a valuable trade commodity. It’s essential to balance the immediate benefits of cash with the long-term potential of property ownership.
Mortgaged Properties in Trades: Mortgaged properties can be traded. However, the new owner inherits the mortgaged status of the property and must decide whether to keep it mortgaged or pay off the mortgage. For more, consult the ‘Mortgage or Unmortgage Properties’ flowchart.
Prohibition of Gifting: Direct gifting is not allowed in Monopoly, where one player gives another player resources for free. This also applies to a series of trades that effectively amount to gifting. An example of an illegal trade is if Players 1 and 2 agree to trade $200 and $300 without any properties or cards involved, as this is essentially a gift.
These critical points and more are summarised in the ‘Trade’ flowchart, which provides a comprehensive guide to the trading mechanics in Monopoly. Understanding and mastering the art of trading is essential to increase your chances of winning.
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In Monopoly, debts must be addressed immediately. If a player owes money, either from rent, taxes, or any other game mechanics, they cannot defer payment for a later turn. They must either raise the necessary funds immediately through an emergency business phase or face bankruptcy, which results in their elimination from the game.
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Ending up in Jail can happen in two distinct ways:
Rolling Three Consecutive Doubles: Rolling doubles in Monopoly means you get an additional turn. If, during your turn, you roll doubles three times in a row, your third turn is cut short, and you are immediately sent to Jail. This rule is meant to simulate the penalties of ‘speeding’ around the board and acts as a check on continuous double rolls.
Landing on the ‘Go to Jail’ Square: If you land on the square that explicitly says ‘Go to Jail’, you must move your token directly to the Jail space.
It’s important to note that landing on the Jail square without the above conditions (for example, through a regular dice roll) means you are ‘Just Visiting’. In this case, you face no penalties and can ignore the ‘In Jail’ flowchart. However, if you find yourself sent to Jail through either of the first two methods, consult the ‘In Jail’ flowchart for guidance on how to get out of Jail.
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Test your new Monopoly mastery with our quick-fire quiz!
Conclusion
Now that you’re armed with Monopoly insights, why not challenge your friends or family to a game? Share this guide with them for a fair and fun match!
If you have further questions or need more detailed explanations on any aspect of the game, don’t forget to check out our FAQ section. Here, you’ll find answers to common queries and additional tips to enhance your Monopoly gameplay experience.
Remember, Monopoly combines strategy, negotiation, and a bit of luck. With these flowcharts and tips, you’re better equipped to navigate the twists and turns of the game and maybe even emerge as the Monopoly champion on your next game night.
If your friends still talk to you after you’ve finished beating them at Monopoly, why not challenge them to a poker game? Learn to play poker the easy way without all the jargon!
FAQ
How many players can play Monopoly?
Monopoly can be played with 2 to 8 players.
What is the objective of Monopoly?
The goal is to be the last player remaining with any money after all other players have gone bankrupt.
How do you start a game of Monopoly?
Players choose a token and roll the dice. The player with the highest roll starts. The play continues clockwise.
What happens when you land on an unowned property in Monopoly?
You may buy it from the bank at its listed price, or if you decline, the property is auctioned to the highest bidder.
How do you earn money in Monopoly?
Players earn money by collecting rent from properties they own, passing ‘GO’, and drawing certain cards from the Chance and Community Chest decks.
What happens when you land on another player’s property in Monopoly?
You must pay rent to the owner, as specified on the property’s Title Deed card. If the property is mortgaged, you don’t have to do anything.
Can properties be upgraded in Monopoly?
Yes, buying houses and hotels once you own all properties of the same colour.
What does it mean to mortgage a property in Monopoly?
Players can mortgage properties to the bank for money. While mortgaged, rent cannot be collected on that property.
How does a player go bankrupt in Monopoly?
If you owe more money than you can raise to another player or the bank, you are declared bankrupt and out of the game.
What are ‘Chance’ and ‘Community Chest’ cards in Monopoly?
These cards can give or take money, move your token around the board, or affect your game in other ways.
What happens when you land on ‘Free Parking’ in Monopoly?
In official rules, nothing happens. However, many players use house rules to add effects. I recommend the official rules if you don’t want the game to drag out.
How do you get out of Jail in Monopoly?
Pay a $50 fine, use a ‘Get Out of Jail Free’ card, or roll doubles on the dice.
How does a game of Monopoly end?
The game ends when all but one player has gone bankrupt. The remaining player is the winner.
