Why are people talking like they have to earn all the gil themselves?
These prices are much more reasonable when split up and when the decay is included.
Outside of legacy servers, FCs should be able to purchase a house appropriate to their size with one or two months when you also factor in the decay.
They've also mentioned that they've increased gil income in the patch and to judge it after you see that.
Getting the house takes some time (as it should, in my opinion) but you can get it even sooner if the whole FC puts in some effort. Even if you don't, you'll probably be able to get it in 2 months.
Sorry, personal housing is still six months away. Don't confuse this with that.