A lot of people don't seem to realize that this current housing is meant for Free Companies, not individual player housing. On my server the cheapest house is 8m, which is totally doable by one player if they save up for a few weeks, and even more so by a small FC of even 5-10 players. I've never really tried to make money but I'm always around 800k, fluctuating down to 0-100k at times but I always bounce back up to at least 500k or so. If I really worked at it I'm sure I could save up around 1.5m in short order.

I'd go so far as to say that even the best medium plot size house is doable at 37.5m for most FC's of 20-50 players. The largest houses aren't going to be available to anyone except possibly a FC full of people who had all 50 crafts at the start of the game and are loaded, but in time they will drop to manageable prices - for me it's 125m, and at half price of around 60m that is easily doable by the larger FCs. For all the small 5-10 man FCs I think they're stuck buying a small house, but it should be easily affordable if you've saved up any kind of cash at all.