I played 1.0 as well, and yeah, I was never charged beyond the original game, I had 5k crysta still on my account from when I loaded my account up to pay for the 1.0 billing fees when I picked up ARR.

Also, most servers are on the same pricing point for housing, if the new servers are costing less for housing, it's probably due to them having much newer economies, since people have had less time to build up gil compared to the older ones.