There will never be instanced housing. The devs have been very clear on that both that they cant do it server capacity wise and that they simply don't want to do it because their design for housing areas was never intended for everyone to have a house. the original intent was for them to be for FC's and for the housing to be a "neighborhood" feel where houses were shared with the FC. Honestly allowing personal housing was a mistake that has lead to the current scenario of people constantly trying to get a personal house. Ya ya, ghost FC's and all that, but that's a minor problem compared to the situation right now where people just can't accept the fact that housing is intended to be a certain way and its never going to change.

Just wait for the island sanctuary content where everyone is assuming you're going to be able to do gardening and other features locked behind housing (just don't expect to have the housing features. If that happens I'd be shocked.)