I think this will help a lot when planning out where villagers may plot their houses.
Take a look at this picture:
Villager houses = yellow boxes w/ red dots and red thatched squares (for "dead spots" that can't intersect)
Player houses = larger yellow rectangles w/ blue thatches
Permanent buildings (Retail, Police Station, etc) = pink/purple rectangles w/ blue thatches
PWPs = orange boxes w/ blue thatches
Every town is divided into 20 invisible "acres", separated by the blue dashed lines shown in the picture. Only three structures that count as "buildings" can be constructed in every acre, which includes villager houses, player houses, and permanent buildings.
More specifically, the "centers" (red dots) of any three of those buildings is the most that can be allowed in any acre. Villagers won't be able to move in to an acre if the centers of three other permanent buildings are already there. For example, see letters "A" and "C"; for letter "C", there are already two villager houses and a player house in the same acre, so a new villager can't move in there.
*Additionally, no villagers will ever try to make a plot in the acre with the Event Plaza or the Entrance Plaza.
Hope this helps somebody out like it did for me.
*Some circumstances may apply due to coding error.
Take a look at this picture:

Villager houses = yellow boxes w/ red dots and red thatched squares (for "dead spots" that can't intersect)
Player houses = larger yellow rectangles w/ blue thatches
Permanent buildings (Retail, Police Station, etc) = pink/purple rectangles w/ blue thatches
PWPs = orange boxes w/ blue thatches
Every town is divided into 20 invisible "acres", separated by the blue dashed lines shown in the picture. Only three structures that count as "buildings" can be constructed in every acre, which includes villager houses, player houses, and permanent buildings.
More specifically, the "centers" (red dots) of any three of those buildings is the most that can be allowed in any acre. Villagers won't be able to move in to an acre if the centers of three other permanent buildings are already there. For example, see letters "A" and "C"; for letter "C", there are already two villager houses and a player house in the same acre, so a new villager can't move in there.
*Additionally, no villagers will ever try to make a plot in the acre with the Event Plaza or the Entrance Plaza.
Hope this helps somebody out like it did for me.
*Some circumstances may apply due to coding error.
TL;DR: 20 acres in every town. after 3 buildings have been built in 1 acre, no more villagers can move into that acre.
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