The way housing should be

[Dark-Saviour]

With a Personal Apartment they can obtain somthing equel to a Small House but since it is a personal Apartment it will be limited to in door Housing items.

Why restrict it to this? Why not an instanced plot off in a secluded glade, on a remote island, amidst the dunes, etc. with a full lot and the ability to use outdoor furnishings too?
There's no reason an instance would have to be indoor only. And if its an instance for just one player, there's also no reason the indoor and outdoor bits have to be separate instances.

There's no reason it should be half-assed at this point.

[EdwinLi]

Why restrict it to this? Why not an instanced plot off in a secluded glade, on a remote island, amidst the dunes, etc. with a full lot and the ability to use outdoor furnishings too?
There's no reason an instance would have to be indoor only. And if its an instance for just one player, there's also no reason the indoor and outdoor bits have to be separate instances.

There's no reason it should be half-assed at this point.

It is for lower gil revenue players. A Personal Apartment is a apartment after all which is more for indoor things and not known for out door stuff. However, a balcony can also be added for the Apartment building for out door stuff but since it is a apartment build the balcony will not be big as the Housing yards.

A Private Island can also be added in the game but the price will need to balance out considering that it is a Private Island for the player that owns the island only.

[Dark-Saviour]

It is for lower gil revenue players. A Personal Apartment is a apartment after all which is more for indoor things and not known for out door stuff. However, a balcony can also be added for the Apartment building for out door stuff but since it is a apartment build the balcony will not be big as the Housing yards.

A Private Island can also be added in the game but the price will need to balance out considering that it is a Private Island for the player that owns the island only.

Why do we even need to apply real-world style cost differences here?
It could very easily be that one of the numerous NPCs I save gives me a piece of land out of gratitude (or whatever) if you need a lore-based way to justify it in-game.

Things shouldn't be designed around the current costs; the system as it currently exists never should have existed, and shouldn't be taken into account when implementing or pricing things as they should be, IMO.