Probably apples and oranges but ...

Trove (effectively Minecraft Online) gives entire island to Clubs and you can do with it as you wish. You can build all sorts of fantastical things, e.g. floating islands, hollowed out floating sphere (i.e. like Cocoon), underwater hubs ... etc.

And they can provide such for every club in additional to every player having their own portable personal plot of 16x16 land that serves as their spawn point, wherever they drop it, when they die - but strangely enough, you can't drop it on the club island.

FFXIV housing while a ton more detailed graphically is quite a lot more restricted - and it isn't due to the graphics; EQ Next is also voxel based and is pretty detailed. You can't even change the layout of your house ... Heck, you can't even move the stupid light fixture in the center of the room, making partitioning a pain in the butt - not to mention that lighting is key to atmosphere; can't control the lighting, you can't control the "look" of the place.

Not asking for Minecraft level of construction. But The Sims level of construction I believe would be reasonable.