Hi, looking at Table 1, page 17, it seems that house prices are a little off.
A wooden cottage costs 300 gp, but they rent it out at 20 gp per month. This means that a family living in that house and paying rent would be able to match the entire cost of the house in just 1 year and three months. That cannot be right. Either the house costs waaaaay to little, or the rent is waaaaay too high. In real life the price of a house is roughly equal to 15 years of rent, at least.
Am I missing something? Also, what does the "10 year period" in parenthesis mean? The price is for "buying it outright", as the text says, so I don't understand the 10 year thing. It would make sense if the prices in the table were annual payments over a 10 year period. This would mean that the cottage would actually cost 3000 gp.
The numbers seem correct to the book, purchasing a wooden cottage typically costs 300 gp or it can be effectively mortgaged with a monthly cost of 6 gp for 10 years.
Renting it monthly would cost 20 gp, probably to incentivize the monthly payment plan option and to target the types of folks like adventurers that can afford the expanded cost for a month or two.
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I really don't think that the game rules are intended to be good at modeling economics. That's not really the balance point of the game.
Looks fine to me. I've even implemented them in my game with no trouble at all.
I'm not sure why you would expect a fantasy game to resemble real life in the modern world.