Well, assuming he's a fairly self sufficient farmer-type, he's not gonna need much, but he's not gonna have much to spare. 5 people, and 3 are kids? What vegetables they eat can easily be harvested from their garden/crop. 2 pigs and 3 cows is plenty for meat in a year, and another, we'll say, 2 cows for milk and cheese, and maybe a goat for good measure. Throw in a bull to keep those cows around, and you're set. A good 5 chickens gives plenty of eggs, and a rooster means some poulty now and again, too. If they grow some grain, that takes care of all their bread (big part), beer, and wine (flowers and wild berries for flavor). We'll figure Farmer John isn't also a shephard, so he has to barter for his linen. That should be taken care of by spare beef and byproducts, not to mention all that grain he's not going to use.
Anyhow, I mean to say that it comes down to Farmer John not having any gold, but not needing any, either. I twitch in pain when a small village offers the PC's 150 gp to rescue the priest's daughter, or whatever. Why the hell do these people have all this useless gold sitting around? Anyway, I'm sure you're familiar with that rant.
If you wanted to sit around and buy all your stuff, assuming no level of self-sufficience, it'd be...
15 sp/day for "common meals", or 547 gp and 5 sp/year
2 artisan's outfits/year for Farmer John is 2 gp/year
1 cold weather outfit/year (everyone has one, but figure one outfit lasts 5 years) is 8 gp/year (!!!)
10 peasant's outfits/year is 1 gp/year
That all comes out to 558 gp and 5 sp/year, or ~1 gp and 5 sp/day
That doesn't include the price of broken tools, work animals, feed for those animals, repairing their roof every spring, local taxes, candles, crockery, etc.
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