Settlements in Play

Settlement Population Ranges
A settlement's population is left to the GM to assign, but you can use a settlement's type to help you determine just how many folks live in the city. Since the actual number of people who dwell in a settlement has no impact on game play, the number you choose is largely cosmetic—feel free to adjust the suggested values below to fit your campaign.
Settlement TypePopulation Range
ThorpFewer than 20
Small town201–2,000
Large town2,001–5,000
Small city5,001–10,000
Large city10,001–25,000
MetropolisMore than 25,000

The best way to handle a settlement in your game, of course, is to plan it out, placing every shop and every home, naming every NPC, and mapping every building. Yet settlements are the most complicated locations you're likely to ever feature in your game, and the prospect of fully detailing one is daunting, especially if your PCs are likely to visit multiple settlements.

Presented below are basic rules for a more streamlined method of handling settlements in your game. Essentially, these rules treat settlements almost as characters of their own, complete with stat blocks. Using these rules, you can generate the vital data for a settlement quickly and efficiently, and with this data you can handle the majority of your players' interactions with the settlement.

Note that for particularly large cities, you can use multiple settlement stat blocks to represent different districts within a city. This allows you to have neighborhoods with distinct characteristics inside one city's walls. GMs should feel free to add other new elements to create the cities they desire. A Settlement Sheet is included in the back of this book to record the details of your own settlements.

The Settlement Stat Block

A settlement stat block is organized as follows.

Name: The settlement's name is presented first.

Alignment and Type: A settlement's alignment is the general alignment of its citizens and government—individuals who dwell therein can still be of any alignment, but the majority of its citizens should be within one step of the settlement's overall alignment. Alignment influences a city's modifiers. The type is the size category the settlement falls into, be it thorp, hamlet, village, town (small or large), city (small or large), or metropolis. In most cases, rules play off of a settlement's type rather than its exact population total. A settlement's type determines many of its statistics (see Table 7–36: Settlement Statistics).

Modifiers: Settlements possess six modifiers that apply to specific skill checks made in the settlement. A settlement's starting modifier values are determined by its type. This value is further adjusted by the settlement's alignment, government, qualities, and disadvantages. Note that introducing settlement modifiers to your game will somewhat increase the complexity of skill checks by adding a variable modifier each time the PCs visit a new town or city—consider the use of these modifiers an optional rule.

Qualities: All settlements have a certain number of qualities that further adjust their statistics—think of qualities as feats for settlements. A settlement's type determines how many qualities it can have.

Danger: A settlement's danger value is a number that gives a general idea of how dangerous it is to live in the settlement. If you use wandering monster chart that uses percentile dice and ranks its encounters from lowest CR to highest CR, use the modifier associated with the settlement's danger value to adjust rolls on the encounter chart. A settlement's base danger value depends on its type.

Disadvantages: Any disadvantages a settlement might be suffering from are listed on this line. A settlement can have any number of disadvantages you wish to inflict on it, although most settlements have no disadvantages.

Government: This entry lists how the settlement is governed and ruled. The type of government a settlement follows affects its statistics.

Population: This number represents the settlement's population. Note that the exact number is flexible; a settlement's actual population can swell on market days or dwindle during winter—this number lists the average population of the settlement. Note that this number is generally used for little more than flavor—since actual population totals fluctuate, it's pointless to tether rules to this number. After the settlement's total population, a breakdown of its racial mix is listed in parentheses.

Notable NPCs: This section lists any notable NPCs who live in the city, sorted by their role in the community, followed by their name and then their alignment, gender, race, class, and level in parentheses.

Base Value and Purchase Limit: This section lists the community's base value for available magic items in gp. There is a 75% chance that any item of this value or lower can be found for sale in the community with little effort. If an item is not available, a new check to determine if the item has become available can be made in 1 week. A settlement's purchase limit is the most money a shop in the settlement can spend to purchase any single item from the PCs. If the PCs wish to sell an item worth more than a settlement's purchase limit, they'll either need to settle for a lower price, travel to a larger city, or (with the GM's permission) search for a specific buyer in the city with deeper pockets. A settlement's type sets its purchase limit.

Spellcasting: Unlike magic items, spellcasting for hire is listed separately from the town's base value, since spellcasting is limited by the level of the available spellcasters in town. This line lists the highest-level spell available for purchase from spellcasters in town. A town's base spellcasting level depends on its type.

Minor Items/Medium Items/Major Items: This line lists the number of magic items above a settlement's base value that are available for purchase. In some city stat blocks, the actual items are listed in parentheses after the die range of items available—in this case, you can use these pre-rolled resources when the PCs first visit the city as the magic items available for sale on that visit. If the PCs return to that city at a later date, you can roll up new items as you see fit.

Table: Settlement Statistics
TypeModifiersQualititesDangerBase LimitPurchase LimitSpellcasting
Thorp–41–1050 gp500 gp1st
Hamlet–21–5200 gp1,000 gp2nd
Village–120500 gp2,500 gp3rd
Small town0201,000 gp5,000 gp4th
Large town0352,000 gp10,000 gp5th
Small city+1454,000 gp25,000 gp6th
Large city+25108,000 gp50,000 gp7th
Metropolis+461016,000 gp100,000 gp8th
Table: Available Magic Items
Community SizeBase ValueMinorMediumMajor
Thorp50 gp1d4 items
Hamlet200 gp1d6 items
Village500 gp2d4 items1d4 items
Small town1,000 gp3d4 items1d6 items
Large town2,000 gp3d4 items2d4 items1d4 items
Small city4,000 gp4d4 items3d4 items1d6 items
Large city8,000 gp4d4 items3d4 items2d4 items
Metropolis16,000 gp*4d4 items3d4 items
* In a metropolis, nearly all minor magic items are available.

Settlement Modifiers

Life in a settlement is represented by six modifiers, each of which adjusts the use of specific skills within the city.

Corruption: Corruption measures how open a settlement's officials are to bribes, how honest its citizens are, and how likely anyone in town is to report a crime. Low corruption indicates a high level of civic honesty. A settlement's corruption modifies all Bluff checks made against city officials or guards and all Stealth checks made outside (but not inside buildings or underground).

Crime: Crime is a measure of a settlement's lawlessness. A settlement with a low crime modifier is relatively safe, with violent crimes being rare or even unknown, while a settlement with a high crime modifier is likely to have a powerful thieves' guild and a significant problem with violence. The atmosphere generated by a settlement's crime level applies as a modifier on Sense Motive checks to avoid being bluffed and to Sleight of Hand checks made to pick pockets.

Economy: A settlement's economy modifier indicates the health of its trade and the wealth of its successful citizens. A low economy modifier doesn't automatically mean the town is beset with poverty—it could merely indicate a town with little trade or one that is relatively self-sufficient. Towns with high economy modifiers always have large markets and many shops. A settlement's economy helps its citizens make money, and thus it applies as a modifier on all Craft, Perform, and Profession checks made to generate income.

Guards! Guards!
It's inevitable—sooner or later, the PCs will want to call upon the town guard or cause a situation where citizens do so instead. Calling for the guard requires a Diplomacy check modified by the settlement's law modifier. It's only a DC 5 check to call for the guard—with a success, the guards generally arrive on the scene in 1d6 minutes. Every 5 points by which the Diplomacy check exceeds DC 5 (rounding down) reduces the arrival time by 1 minute—if this reduces their arrival time below 1 minute, the increments of reduction instead change to 1 round. For example, the party wizard is being mugged and calls for the guard. The result of his Diplomacy check is a 23, and the GM rolls a 2 on 1d6 to determine how long it'll be before the guards arrive. Since the wizard rolled three thimes the amount he needed, the 2-minute wait time is reduced to 8 rounds.

Law: Law measures how strict a settlement's laws and edicts are. A settlement with a low law modifier isn't necessarily crime-ridden—in fact, a low law modifier usually indicates that the town simply has little need for protection since crime is so rare. A high law modifier means the settlement's guards are particularly alert, vigilant, and well-organized. The more lawful a town is, the more timidly its citizens tend to respond to shows of force. A settlement's law modifier applies on Intimidate checks made to force an opponent to act friendly, Diplomacy checks against government officials, or Diplomacy checks made to call on the city guard (see sidebar).

Lore: A settlement's lore modifier measures not only how willing the citizens are to chat and talk with visitors, but also how available and accessible its libraries and sages are. A low lore modifier doesn't mean the settlement's citizens are idiots, just that they're close-mouthed or simply lack knowledge resources. A settlement's lore modifier applies on Diplomacy checks made to gather information and Knowledge checks made using the city's resources to do research when using a library.

Society: Society measures how open-minded and civilized a settlement's citizens are. A low society modifier might mean many of the citizens harbor prejudices or are overly suspicious of out-of-towners. A high society modifier means that citizens are used to diversity and unusual visitors and that they respond better to well-spoken attempts at conversation. A settlement's society modifier applies on all Disguise checks, as well as on Diplomacy checks made to alter the attitude of any non-government official.

Settlement Alignment

A settlement's alignment not only describes the community's general personality and attitude, but also influences its modifiers. A lawful component to a settlement's alignment increases its law modifier by 1. A good component increases its society modifier by 1. A chaotic component increases its crime modifier by 1. An evil component increases its corruption modifier by 1. A neutral component increases its lore modifier by 1 (a truly neutral city gains an increase of 2 to its lore modifier). Alignment never modifies a settlement's economy modifier.

Settlement Government

Just like nations, towns and cities are ruled by governments. A settlement's government not only helps to establish the flavor and feel of the community but also adjusts its modifiers. Choose one of the following as the settlement's government.

Autocracy: A single individual chosen by the people rules the community. This leader's actual title can vary—mayor, burgomaster, lord, or even royal titles like duke or prince are common. (No modifiers)

Council: A group of councilors, often composed of guild masters or members of the aristocracy, leads the settlement. (Society +4; Law and Lore –2)

Magical: An individual or group with potent magical power, such as a high priest, an archwizard, or even a magical monster, leads the community. (Lore +2; Corruption and Society –2; increase spellcasting by 1 level)

Overlord: The community's ruler is a single individual who either seized control or inherited command of the settlement. (Corruption and Law +2; Crime and Society –2)

Secret Syndicate: An unofficial or illegal group like a thieves' guild rules the settlement—they may use a puppet leader to maintain secrecy, but the group members pull the strings in town. (Corruption, Economy, and Crime +2; Law –6)

Settlement Qualities

Settlements often have unusual qualities that make them unique. Listed below are several different qualities that can further modify a community's statistics. A settlement's type determines how many qualities it can have—once a quality is chosen, it cannot be changed.

Note that many of the following qualities adjust a town's base value or purchase limit by a percentage of the town's standard values. If a town has multiple qualities of this sort, add together the percentages from modifiers and then increase the base value by that aggregated total—do not apply the increases one at a time.

Academic: The settlement possesses a school, training facility, or university of great renown. (Lore +1, increase spellcasting by 1 level)

Holy Site: The settlement hosts a shrine, temple, or landmark with great significance to one or more religions. The settlement has a higher percentage of divine spellcasters in its population. (Corruption –2; increase spellcasting by 2 levels)

Insular: The settlement is isolated, perhaps physically or even spiritually. Its citizens are fiercely loyal to one another. (Law +1; Crime –1)

Magically Attuned: The settlement is a haven for spellcasters due to its location; for example, it may lie at the convergence of multiple ley lines or near a well-known magical site. (Increase base value by 20%; increase purchase limit by 20%; increase spellcasting by 2 levels)

Notorious: The settlement has a reputation (deserved or not) for being a den of iniquity. Thieves, rogues, and cutthroats are much more common here. (Crime +1; Law –1; Danger +10; increase base value by 30%; increase purchase limit by 50%)

Pious: The settlement is known for its inhabitants' good manners, friendly spirit, and deep devotion to a deity (this deity must be of the same alignment as the community). (Increase spellcasting by 1 level; any faith more than one alignment step different than the community's official religion is at best unwelcome and at worst outlawed—obvious worshipers of an outlawed deity must pay 150% of the normal price for goods and services and may face mockery, insult, or even violence)

Prosperous: The settlement is a popular hub for trade. Merchants are wealthy and the citizens live well. (Economy +1; increase base value by 30%; increase purchase limit by 50%)

Racially Intolerant: The community is prejudiced against one or more races, which are listed in parentheses. (Members of the unwelcome race or races must pay 150% of the normal price for goods and services and may face mockery, insult, or even violence)

Rumormongering Citizens: The settlement's citizens are nosy and gossipy to a fault—very little happens in the settlement that no one knows about. (Lore +1; Society –1)

Strategic Location: The settlement sits at an important crossroads or alongside a deepwater port, or it serves as a barrier to a pass or bridge. (Economy +1; increase base value by 10%)

Superstitious: The community has a deep and abiding fear of magic and the unexplained, but this fear has caused its citizens to become more supportive and loyal to each other and their settlement. (Crime –4; Law and Society +2; reduce spellcasting by 2 levels)

Tourist Attraction: The settlement possesses some sort of landmark or event that draws visitors from far and wide. (Economy +1; increase base value by 20%)

Settlement Disadvantages

Just as a settlement can have unusual qualities to enhance its statistics, it can also suffer from disadvantages. There's no limit to the number of disadvantages a community can suffer, but most do not have disadvantages, since a settlement plagued by disadvantages for too long eventually collapses. A disadvantage can arise as the result of an event or action taken by a powerful or influential NPC or PC. Likewise, by going on a quest or accomplishing a noteworthy deed, a group of heroes can remove a settlement's disadvantage. Several disadvantages are listed below.

Anarchy: The settlement has no leaders—this type of community is often short-lived and dangerous. (Replaces settlement's Government and removes Government adjustments to modifiers; Corruption and Crime +4; Economy and Society –4; Law –6; Danger +20)

Cursed: Some form of curse afflicts the city. Its citizens might be prone to violence or suffer ill luck, or they could be plagued by an infestation of pests. (Choose one modifier and reduce its value by 4)

Hunted: A powerful group or monster uses the city as its hunting ground. Citizens live in fear and avoid going out on the streets unless necessary. (Economy, Law, and Society –4; Danger +20; reduce base value by 20%)

Impoverished: Because of any number of factors, the settlement is destitute. Poverty, famine, and disease run rampant. (Corruption and Crime +1; decrease base value and purchase limit by 50%; halve magic item availability)

Plagued: The community is suffering from a protracted contagion or malady. (–2 to all modifiers; reduce base value by 20%; select a communicable disease—there's a 5% chance each day that a PC is exposed to the disease and must make a Fortitude save to avoid contracting the illness)

Sample Settlements

While it's nice to be prepared, and planning out cities can be fun in and of itself, it's not always possible to generate specific settlement stat blocks for every town and city that the PCs might visit. Sometimes the PCs decide to venture off in search of supplies instead of heading straight for the next dungeon, other times they make selling their newly acquired loot their highest priority. The following sample settlements are designed for precisely such occasions. Rather than a specific name, each of these sample settlements bears a generic title that indicates what kind of settlement it is or where it might be located.

Capital City

N large city

Corruption +0; Crime +2; Economy +5; Law +2; Lore +5; Society +2

Qualities academic, holy site, prosperous, strategic location, tourist attraction

Danger +10


Government autocracy

Population 18,000 (14,000 humans; 1,000 dwarves; 1,000 halflings; 500 elves; 1,500 other)

Notable NPCs

Captain of the Guard Jiranda Hollis (LN female human fighter 5)

High Priest Fallor Pollux (LG male human cleric 10)

Lord Mayor Alton Ralderac (N male human aristocrat 4)


Base Value 12,800 gp; Purchase Limit 75,000 gp; Spellcasting 9th

Minor Items 4d4; Medium Items 3d4; Major Items 2d4

City of Thieves

CN small city

Corruption +3; Crime +5; Economy +4; Law –6; Lore +3; Society +1

Qualities academic, notorious, racially intolerant (halflings), tourist attraction

Danger +15


Government secret syndicate

Population 10,000 (6,000 humans; 1,500 halflings; 1,000 half-orcs; 750 dwarves; 750 other)

Notable NPCs

Crimelord Kamus Rix (NE male half-orc fighter 2/rogue 6)

Headmistress of the Wizards' Academy Alamandra Talais (N female human wizard 13)

Puppet Mayor Pavo Tumbor (LE male human aristocrat 2)


Base Value 6,000 gp; Purchase Limit 37,500 gp; Spellcasting 7th

Minor Items 4d4; Medium Items 3d4; Major Items 1d6

City-State of Intrigue

LE metropolis

Corruption +7; Crime +5; Economy +2; Law +0; Lore +5; Society +1

Qualities holy site, notorious, prosperous, rumormongering citizens, strategic location, superstitious

Danger +20; Disadvantages anarchy


Government anarchy

Population 55,000 (31,000 humans; 10,000 halflings; 8,000 elves; 2,000 half-elves; 1,000 gnomes; 3,000 other)

Notable NPCs

Backbiting Socialite Viviana Dartmoor (LE female human aristocrat 4/sorcerer 3)

Powerless Queen-Regent Cordella I (NG female human aristocrat 3)

Social Critic Narcil Sharptongue (CN male half-elf bard 6)


Base Value 27,200 gp; Purchase Limit 200,000 gp; Spellcasting 8th

Minor Items all available; Medium Items 4d4; Major Items 3d4

Creepy Backwoods Hamlet

NE hamlet

Corruption +1; Crime –5; Economy –2; Law +1; Lore –1; Society –8

Qualities insular

Danger –5; Disadvantages cursed


Government overlord

Population 23 (23 humans)

Notable NPCs

Patriarch Father Humms (CE male human ranger 3)

Village Idiot Junior Humms (CN male human barbarian 1)

Witch Mother Twixt (NE female human adept 4)


Base Value 200 gp; Purchase Limit 1,000 gp; Spellcasting 2nd

Minor Items 1d6; Medium Items —; Major Items

Dwarven Trade Town

LG large town

Corruption +0; Crime +0; Economy +2; Law –1; Lore –2; Society +5

Qualities pious, prosperous, strategic location

Danger +5


Government council

Population 2,500 (2,000 dwarves; 400 humans; 100 other)

Notable NPCs

Forgefather Gundar Dorgrun (LG male dwarf cleric 12)

Guildsmistress Bilda Keldam (LN female dwarf aristocrat 3/expert 3)

Militia Captain Karnag Thosk (NG male dwarf fighter 4)


Base Value 2,800 gp; Purchase Limit 15,000 gp; Spellcasting 6th

Minor Items 3d4; Medium Items 2d4; Major Items 1d4

Elven Town

CG small town

Corruption –2; Crime +1; Economy +0; Law +0; Lore +2; Society –1

Qualities magically attuned, racially intolerant (dwarves, half-orcs, humans)

Danger +0


Government magical

Population 1,300 (1,000 elves; 100 gnomes; 100 half-elves; 100 other)

Notable NPCs

Archwizard Talandrel Illarion (NG male elf wizard 14)

Dungsweeper Hrak (CG male half-orc druid 4)

Famous Thief The Crimson Rose (CN female half-elf rogue 7)


Base Value 1,200 gp; Purchase Limit 6,000 gp; Spellcasting 7th

Minor Items 3d4; Medium Items 1d6; Major Items

Failing Fishing Village

LN village

Corruption +0; Crime –4; Economy –1; Law +2; Lore +1; Society +0

Qualities rumormongering citizens, superstitious

Danger +0; Disadvantages impoverished


Government autocracy

Population 70 (63 humans, 6 halflings, 1 half-elf)

Notable NPCs

Mayor Tanner Basken (LG male human expert 3)

Sheriff Ira Skeen (LN female human fighter 1/ranger 3)

Soothsayer the Beachcomber (N male human druid 2)


Base Value 250 gp; Purchase Limit 1,250 gp; Spellcasting 1st

Minor Items 1d4; Medium Items 1d2; Major Items


NG thorp

Corruption –4; Crime –4; Economy –4; Law –6; Lore –5; Society 1

Qualities strategic location

Danger –10


Government council

Population 16 (13 humans, 2 halflings, 1 dwarf)

Notable NPCs

Landlord and Innkeeper Jaycen Halls (NG female human bard 4)

Smith Erlan Urnst (LN male dwarf expert 4/warrior 1)

Trading Post Owner Mr. Harlen Gnoat (NE male human expert 2)


Base Value 55 gp; Purchase Limit 500 gp; Spellcasting 1st

Minor Items 1d4; Medium Items —; Major Items