They did say a while back that personal housing would be cheaper than FC housing, but didn't include by how much, so that's still a pretty wide range of possibilities.

I'm hoping that personal houses will be essentially like small FC houses, or perhaps like the original implementation of small FC houses (before they were enlarged to include a basement). But they should have a yard where we can have a garden and stable.

If they go with the type of ward arrangement FC housing has, I hope they do a better job of ensuring there are enough houses available of all types for everyone who wants one, even on the crowded servers. Having them individually instanced may be a better option, simply to avoid this problem, but then we'd need a way of specifying when we want to visit someone else's house rather than go to our own.