I still maintain at the end of 2.0 players should have a quest to be presented with a private plot of land by their starting nation. There's no reason the Warrior of Light should be homeless, really.

Oasis for Ul'dah
Private Island or Hidden Cove for Limsa
Waterfall/Lakeside for Gridania

Make the plot twice as big as large with the player free to make a small, medium, or large house on it, depending on how much gil they want to sink into it. So many issues would be solved. As for underwater/sky housing, make it available for finishing 3.0 and 4.0

Saved Ishgard from Thordan? We'd like to offer you a new home in the skies above Coerthas, we'll even move your house for you.
Saved Doma/Ala Mhigo? Kugane is pleased to offer a storied hero like yourself an underwater home nice and close by.