Don't buy a house in a town you are not 100% sure you're gonna be working out of for a long time. The discount you get is only for the first house, regardless of the cost or location of the house. Houses scale with bonuses and money.
A shack in a starter town is nothing for the most part. Housing bonuses are global too.
Also it's not hard to get to 20 rep in a territory. It's pretty fast and gets faster as you level and can just drop thousands of materials into town missions and solo rifts/dungeons and so on.