Forcing competition between singular players and FC's for limited housing plots is not a good thing as the extremely rich singular players will have a huge advantage over both the more casual singular player as well as smaller FC's and most of these extremely rich singular players are most likely members of well-off FC's that already have housing, essentially giving the elite player all the housing goodies and leaving very little to none for everyone else. This creates a huge amount of inequality among the playerbase and inequality leads to anger and resentment, which is not a good thing to breed in your players as potentially unhappy players are not necessarily loyal players.

The worst thing that this does though is that it seems to force the pricing to be the same whether for a FC or for an individual, which is ridiculous, and by linking them together it makes it incredibly hard to balance the pricing properly for both groups.

Simply put, combined FC Housing/ Personal Housing wards are a bad idea. Separate them into different ward instances, wards only for FC Houses and wards only for Personal Houses, so that they can be individually maintained and balanced in the long run, both for pricing and the number of wards necessary for each type.