400k really isnt much these days anymore, just take a look at the market board for level 60 gear - thats gonna buy you a sleeve from current gearsets.

Making money isnt to hard though, not even for someone who hasnt reached HW/endgame yet. Selling certain items you can purchase now with GC-seals can earn you a decent shunk (on my server stuff like arachne webs are going for 50k).
And once your crafters are up to max level making money is even getting easier.

Getting a house wont though - mostly because non are available. Other than that the price is ranging from 4 millions (small ones, even the avarage, non-crafting casual player can afford these days) to 80 millions or so on large ones.