I was playing the game for over a year and a half before I even considered housing other than my FC room. This was during Heavensward when there weren't even apartments to be had. When my then husbando and I decided to get one, we literally had to check the wards one by one to see if there was one available and within our budget. (We eventually found our plot, so keep at it and you'll be successful, though having a friend or husbando look while you can't helps a great deal :3).
What everyone has said so far is spot on. I've seen a lot of plots advertised in PF from people who bought and don't need or FCs upgrading so check that too. Also even if you're intent on a house I would get an apartment as Vidu mentioned. One in a different regeion or area from your chosen plot or FC. Reason? It might be superluous but if you can swing it so you have house, FC and/or apartment in different areas you can save quite a bit on teleportation costs by going to your residence first, then to whatever aether you wanted in that area. Apartments are also nice for storage if you're big on deco like I am.
If you can settle for a cottage, I'm sure you'll be able to get a house in a reasonable timeframe (maybe even a medium if you're very luck and diligent). Just remember that after the plot there's the permit. Its not a lot but if your scraping by on the gil its an extra...300k? 500k? Anyone remember?
(Note: people selling plots will often sell for the plot value PLUS what they paid for it. Also there was a post about plot selling and some action by SE. I didn't read it but buyer beware I guess)


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