Owning a home in Final Fantasy XIV is one of the game’s great long-term goals, and it is also one of its biggest gil sinks. Before you start dreaming about a beachfront plot, it helps to know exactly what each option costs and how the lottery actually works.
Quick answer
- An apartment is the most affordable entry point at 500,000 gil, with low upkeep and no lottery.
- Personal and Free Company plots are bought through a lottery, with prices that scale by size.
- Small plots run roughly 1.5 to 3.75 million gil, medium plots roughly 8 to 20 million, and large plots can reach 50 million or more.
- You also pay a separate construction cost to build the house on a bought plot.
- Prices vary by world and ward, and Square Enix has adjusted them over time, so always confirm current numbers in game.
Saving tens of millions of gil takes time, so if you want to secure a plot sooner you can buy FF14 Gil and put your energy into decorating rather than grinding.
How much does housing cost in FFXIV?
Costs fall into a few clear tiers. The table below shows typical ranges; exact prices depend on your data center, the ward, and how desirable the location is.
| Housing type | Approximate gil cost | Notes |
| Apartment | 500,000 | No lottery, low maintenance, instant once available |
| Small plot | ~1.5M – 3.75M | Plus around 450,000 gil to build the cottage |
| Medium plot | ~8M – 20M | Plus around 1,000,000 gil to build the house |
| Large plot | up to 50M+ | Most expensive, highest demand |
An apartment is by far the easiest first home: fixed price, no competition, and it still gives you a private indoor space to decorate.
How does the housing lottery work?
Since the lottery system was introduced, plots are no longer first-come, first-served. Instead, you enter a lottery during an entry window by placing a deposit, and a winner is drawn when the window closes. If you win, you have a limited period to confirm and pay the full purchase price; miss it and the plot returns to the pool. If you lose, your deposit is refunded so you can try again elsewhere.
This means buying a plot is partly about gil and partly about patience: you may need to enter several lotteries before you win the spot you want.
What do you need before you can buy?
Plot ownership has a few requirements beyond gil. You generally need to reach level 50 in at least one job and hold a sufficient Grand Company rank (around Second Lieutenant). Apartments share similar modest requirements. Meeting these early means you are ready to enter a lottery the moment you have the gil.
How do you save up for a house?
Treat the goal as a savings project with steady contributions rather than one heroic farm.
- Keep all your retainers on ventures for passive income every day.
- Run daily roulettes and sell the gear and materials you do not need.
- Pick a dedicated gil method that suits you, such as gathering, crafting for the Market Board, or treasure maps.
- Set aside a fixed share of every payout into a “house fund” and do not touch it.
- Start with an apartment or a small plot, then upgrade later as your balance grows.
Is an apartment or a plot the better first home?
For most players, an apartment is the smart first step. At 500,000 gil with no lottery, it is achievable early, it has minimal upkeep, and it gives you a place to practice interior decorating while you save for a full plot. You can always move up to a house once your gil and your Grand Company rank are ready.
FAQ
How much gil do I need for a house in FFXIV?
An apartment costs 500,000 gil. Small plots run roughly 1.5 to 3.75 million, medium plots around 8 to 20 million, and large plots can reach 50 million or more, plus a separate construction cost.
Can I buy a house instantly, or is it always a lottery?
Apartments can be bought directly when units are available. Personal and Free Company plots are awarded through the lottery system, so they require entering and winning a draw.
Do I need a Grand Company rank to buy a house?
Yes. Plot purchases generally require reaching level 50 in a job and holding a sufficient Grand Company rank, so it is worth meeting those requirements early.
What happens if I win the lottery but cannot pay?
If you win but do not confirm and pay the full price within the allowed period, the plot is released back into the pool and goes to lottery again.
Why do housing prices vary between worlds?
Prices depend on the data center, the specific ward and how desirable the location is, and they have been adjusted over time, so it is best to confirm the current figure in game.