Yoshi even said you may need to save and wait a month or more to get the housing. Remember guys its FC housing not personal housing, the smallest plot in the cheapest server will be 4 million, BUT every 6 hours the cost will go down, so at this point, who knows, it may get down to 2 million or less. There are instanced areas with multiple plots (I believe 90 plots in total per server), but there was mention that if the plots fill up they will release more instanced areas, giving you more plots. Don't freak out guys I'm sure you will get some sort of plot of land no matter where you are.

Note Yoshi also said there will be more ways to make money so don't be disheartened, find ways to make money as an FC and get that house soon! Come up with ideas or ask others in the community for some tips on how to make money.