Much less than that tbh. What you need is knowledge on network systems, database architecture, and a fine template called the MMO Starter Kit (it’s in the marketplace forums). You also need to get yourself a server or 2, and know about virtualization.
- If you were to purchase all of those assets, or 3dsMax plugins to create said assets, you’re looking at right around $2500 or so (CityEngine is the most expensive at $500). But that does not include the cost of the different programs. For example, you will want to get Autodesk Creation Suite, which is about $2,000, the character can come from Mixamo, BonesPro, WorldMachine.
Time? Well, it depends on prior knowledge. It shouldn’t take long to get a sample prototype out if you use OTS stuff.