As I recall, DAoC never had dynamically generated housing wards. The housing zones were manually expanded by Mythic after plots ran out on the big servers. Despite that, there were still extended periods of time when players were unable to purchase housing on overpopulated servers.

I would also argue that housing in FFXIV serves a different purpose than these other MMOs. In FFXIV outside of FC crafts, it's primarily a status symbol. In DAoC you had to have a house to list items for sale on their Marketboard which made universal access much more of a necessity.