Looking for a Roleplayer MMO

I'm looking for an mmo that isn't too expensive, and has a good roleplaying community. I've looked and a few games, but there are some important features I want.

I am hoping for a roleplay community that have inter-guild interactions, instead of just roleplaying within your own guild.

I want player-owned-cities. This could be cities that players themselves build, or just roleplaying with your character as the king of an existing city.

I am coming out of Runescape, so I don't mind repetitive skilling to get levels.

I want something where you aren't incredibly limited at the start. I want to be free to go where I please from start to finish.

I absolutely hate games where you have to pick a race and class, then stick with it. I would prefer no classes, and to be free to switch race and appearance for minimal cost.

Does anyone know a good game?