Talk:Merchant/@comment-66.227.182.4-20111219233254/@comment-4674838-20111220002232

Double check that your Home is suitable. If it is, then the merchant should spawn if you have at least 50 silver in your inventory (I don't think money in a chest counts). Certain conditions may prevent NPCs from spawning however, such as nighttime and the presence of a Goblin Army.