What kind of cutoff is 10 players? Currently 64,000 houses worldwide belong to FCs too small for you to count.* So all the rest of your math starts from a useless number.
Currently, FC housing makes up roughly 25% of plots. So if you want housing for 10k players, you need about 13,500 houses. So 7200 is a still a far cry short.
Additionally, Endwalker will bring new and returning players and that 10k active players number will explode. So your assessment that only 13,000 houses are needed right now means absolutely nothing this time next year.
*source: https://www.xivhousing.com/free-company-census-2020


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