new to the game with a few questions

[Niwashi]

Housing: There are housing districts in each major city - they are not instanced, there are wards with a set amount of plots, but on many servers there are absolutely no plots available. or no small/medium. If your server is populated, you're probably out of luck until they add more wards.

Prices for your server listed (Diabolos) BEFORE price reduction over time: Small plots are 4-5mil, medium are 30-37mil, and large are 70-87mil. They aren't cheap.

Wards: The Lavender Beds - accessed from Central Shroud docks; The Goblet - accessed from outside the Ul'dah Gate of the Sultana (Western Thanalan); Mist - accessed near Red Rooster Stead in Lower La Noscea.

To get a personal house, you also need to be at least level 50 and at least a Second Lieutenant in your Grand Company (which is currently max rank, though I think more ranks are being added in the expansion).

To buy an FC house, the FC needs to have reached Rank 6.

[Edit (thanks for the correction, Conradus)]:
If your FC has a house, I believe the only requirement for buying a personal room within that FC house is that the FC leader needs to allow it for you in the FC's permissions settings.
If your FC has a house, in order to buy a personal room within that FC house, you need to be at least level 50 and a 2nd Lt. in your Grand Company, and the FC leader needs to allow it for you in the FC's permissions settings.

[Conradus]

To get a personal house, you also need to be at least level 50 and at least a Second Lieutenant in your Grand Company (which is currently max rank, though I think more ranks are being added in the expansion).

To buy an FC house, the FC needs to have reached Rank 6.

If your FC has a house, I believe the only requirement for buying a personal room within that FC house is that the FC leader needs to allow it for you in the FC's permissions settings.

No, you still need to be level 50 and a 2nd Lt. as well.