So its 850k for Small house.

[busta]

Basic housing should be a basic service, not a luxury. You should be able to get your hut for say 10K gil. Now if you want the McMansions, they can charge 5 or 50 million gil or $50 or whatever they think people are willing to pay and that's up to them. But everyone should be able to have access to some kind of ghetto housing.

They already do. It's called the inn. This housing system is a luxury item. So it fits in with your description.