It really varies by the territory. The people in Doctor Disaster's territory don't have the highest mean wealth around, but their median is pretty good because of how Doctor Disaster's more politically powerful minions don't just take away stuff from anyone who seems to have it, and Doctor Disaster himself doesn't take "people aren't starving" as an automatic cue to raise taxes and spend more money on Spark-things.
...Queen Albia probably has a wealthier territory, though. She doesn't tolerate much of that sort of thing either.
In a town like Little Damar built into the mountains, housing happens when the castle's construction-related minions make it happen, on a break from reconstructing the castle. They run behind of newlywed couples needing housing, rather than getting out in front of them, and if Opalyn had enough pull to fix that, she'd probably earn herself some noticeable helping of goodwill from newlywed couples and the relatives who'd otherwise need to house them for a few months. At least, until people forgot that life had ever gone any other way or that Opalyn deserved credit for it. A newlywed couple with well-to-do parents can afford to sleep in separate bedrooms, have separate bedrooms for younger or older kids, have steam-lighting in a clank-kitchen.
Doctor Disaster is not as naive as people think; he doesn't accept more immigrants to Little Damar than Little Damar has contracts to import food and food reserves to feed for a month if the blimps stopped arriving. People here don't starve because Doctor Disaster made dumb decisions, only because they made dumb decisions of their own; and even then, there's dangerous work you can sign up for rather than die of starvation directly. Mercenary companies are always recruiting. People here don't starve to death, but they might die rather than starve, if they've made the wrong decisions leading up to that point.
Wise masters know that their apprentices will not output linearly more work if forced to work linearly more hours. Not all masters in Little Damar are wise.