The Housing Prices are fine. I'm in a pretty small FC (about 40 active members) and once we saw the pricing everyone got together and started raising money. Took us about a week of farming, crafting, materia creation, and selling to do it, But we raised 5.5 million gil to cover the cost of our plot (4.8mil) the building permit (450k) and some basic furnishings. Our house was ready to go Saturday night.

If you're on Famfrit come check it out. Mists Ward 1 Lot 19. it's open to the public.