I think the NPC should give the simple quest (gather XX resources), then when player gives him what he need the NPC will give House Plans. With Plans player go to desert and use it (or use science or outdoorsmen - whatever is required). Then house appears.
Having resource supplies next to the players apartments is a bad idea because it reduces player interaction. Makes players hermits who just sit in their base and craft.
Problem with this suggestion is that you came up with a nice idea and you've set the pricing. But you don't explain how it should be possible for the player to build this in the gameworld. To whom paying money? Desert? If to a NPC, how to define the place where the house should be. Also, what is the pro and cons of a house and why should it be included- might there be a danger to make bases unattractive, etc. etc.
well it would be sweet if you could share your house, like the computer in bases. You type in the name of the one you want to be able to find your house enters it, take him to your house and lets him confirm it. Then he will be able to see your house