Many would own neither their land nor their hovel. The lucky ones would own themselves, at least; the unlucky ones would not only not own themselves nor their hovel, but also not own their own fucking children - nearly half of England’s population was unfree. Of the free half, a majority of them would not have owned any land in any real sense. They lived on their lord’s sufferance.

Their access to the commons was dependent on the goodwill of their local lord, and, indeed, as the 14th century comes into play, that access is stripped as soon as it becomes more profitable for the local lord to sell the rights off.

10% of their harvest would go to the Church alone - not optional. Much more would go to their local lord simply for the privilege of existing - around 25% if you were free, closer to 50% if you were unfree. And that’s not getting into various other taxes, such as for anything sold, or to get permission to marry. And if you were unfree, you’d owe nearly half of your working days to your lord’s needs - without any recompense, in money or produce. On top of that, many taxes levied were irregular - ie whenever your lord thought he could get away with it.