I'm sorry but this pricing just doesn't correlate to the "small group" design. Sure, I fully support the option of very expensive palatial estates for those FCs that are high end. I would love to tour one of those houses to see how the "other half" live.

That said, there's not really a decent option for small FCs of adventuring and internal crafting friends that spend time making each other items and not really playing the market. Our group strives to be self reliant... this pricing model really doesn't allow for that. We would be forced to play the market to raise the capital for a house... and that is not our gaming style.

TLDR: Give the hardcore and high end earners amazing housing options for the rest of us to drool over- but don't leave the small family-style FCs in the streets!