The Town Hall - Capitol branch is unique in itself, just like the Capitol itself, because you can't build another branch like that, nor another Capitol ;)
And what you're saying is something else entirely.
I'll repeat myself, but try to put it in other words:
Upgrading mines shouldn't become the norm.
Have you even played on IRMG maps? For small maps, 5000 will be optimal, and even 10,000 will be too little for large maps.
Don't forget about conversion, which gives you a chance to build a second Castle ;)
The average will definitely not be around 5000, and this is also a plus to what I said.
Added 1 minute ago
For small maps, 5000 will be optimal.
Added 31 minutes ago
Calculate how much will be missing with a normal Castle build, without comparing it to any race. That will be more accurate. Humans also sometimes lack stone, and less often wood.
However, I have presented all the arguments, so I'm ending the discussion. It's up to you to leave it at 7500 or not. In my opinion, such prices are an oddity, even more so than a warehouse.
Added 4 minutes ago
Another question, how are mines upgraded? Does it require a visiting hero, or is it a global spell?