The big housing problem, why it isn't the amount of houses

[ryouma17]

also the ability to own a FC house and a private house on a single character means the rich can use alts to buy up all the houses while the poor struggle to find a single one

housing should be limited to one house on one character per account that will allow more people to own a house

[JiraTyanu]

Instanced player housing would be a 100% fix, make the wards smaller, take away apartments, and give players instanced housing instead. Would take a load off the servers, cause them to stop having to worry about making more fricken wards which its really tedious to go through every ward and subdivision as is.. And really just help all around.

[SamSmoot]

Just don't instance like in other games, where you're all alone with your house, unless you group with someone so they can see it.
Keep the neighborhood, but your plot shows your house, unless you select a different one to display via the placard.
With just one ward per development, and each plot having hundreds of owners, you'd have many more players out in the streets.
You can see any house in a plot by selecting it via the placard (with thumbnails), or by grouping with the owner.
To spread things out, less used plots could have their prices reduced to encourage the population to spread out more.