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I believe lore dev's gave as to why we won't be able to have housing in Ishgard, is because the area is too dangerous, with the Dragon War going on. Yoshi said something along the lines of, "Why would you want to live in an area, where a dragon could destroy your home at anytime?"
Think they will have housing in Mor Dhona, get up and that bridge and you starts to wonder ... why these new buildings and whats that thing on the other cliff I cant get to yet?
Besides, a certain NPC said they would love to see Mor Dhona florish ... and no housing to be in Ishgard, thats a que for housing in Mor Dhona imo. And housing around Gold Saucer would work pretty well too. 2 location choices for players who wants apartments! ( and with balcony for garden please! ;) )