Hate to break it to you, but in this market 3.7 mil for a house IS dirt cheap. My small house cost 6+mil, I bought it the first time they added subdivisions. There is no free housing, nothing in this game is obtained for free unless it's your inn room. Frankly, nothing in life is free (but that's another lesson).
FC rooms cost 300k if you just want something to decorate. Heck, we got flower pots now. And I doubt Ishgard will be free either.
If you REALLY want a house, start using that crafter. Or farm some primal for crafting drops and sell em. The primal crafted weapons need items that only come from the fight! You can even look at the MB to see what is selling, then search the actual recipe to see what is needed so you can kill beasties for the ingredients. And send your retainer out for MORE of those ingredients. Possibilities! \o/
The price of the plots will slowly go down as they remain vacant, but the reality is, you won't buy a house for anything less than a mil.
