I'd say a small FC would be around 10 people or so. For those 10 people, you'd need less than 500k per person on the lower priced realms, or as much as 4m on the highest one. But even so, that's not an outrageous amount of money that it impossible to get.
Most FCs I see tend to have more than that though. I've seen many in the 40-50 member range, and some into the hundreds. There are even a few out there with capped members (active ones, mind you), and for them buying even the biggest houses will require minimal effort if people put forth the effort.
If I can afford a small 20m house on Hyperion by myself (no "legacy gil", never sold a 2 star item, never sold Titan wins, basically never sold anything over 20k sans T4 materia), what does that say about entire free companies that can't make that much?

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