Its already been stated that FC houses will have special utilities in the following patches. Even though the small houses appear to be too small for crafting stations and chocobo farms, they appear to have enough land for gardening still or the size of each of the three utilities maybe proportional to your FC lot/house.

Personal housing is going to be cheap they say. I would speculate because they are mainly a place for storing your personal stuff, junk and a little household decorating. Nothing too special. People are paying for the future utilities provided by the FC lots and houses. Personal housing, atm, has no official announcement of anything beyond just being something for "personal" use.