housing should be just a place to store your stuff,i could see growing/farming but nothing above basic ingredients. NO vendors,banking,wayshrine,merchants(although i could see a steward with simple commands{cleaning,repairs for a fee}).
stable access would be cool.
it would be a good place to store collectibles and trophies.

Ya know,I think the best way to do homes is this:

Pocket Bottle homes that are elaborate inside with as many rooms as needed,but a beautiful elaborate bottle outside. It's a Genie bottle you take from your inventory and sit it on the ground.To get inside you click on it.When you want out there's a wayshrine to click on and poof,..your back outside.THEN,..you pick it up and put it back into your inventory. If it is too hard to implement sitting it on the ground,then they could add a 'use' feature while it is in your inventory.I had one in Morrowind.It had a main room with a place to sleep,rooms for armor with mannequins,plus lotsa containers,etc. It looked just like a Genie bottle,like in that tv show "I dream of Genie". I'm gonna post this on every thread about homes I run across,and hopefully one of the devs will pick up the idea. It could be bought,or found in a crate out in the desert sand just with one part of the crate showing.Or,maybe a quest to find it somewhere.NOT a quest for over powerful or high leveled players either.Just maybe a simple quest for those who arent rich or in vet levels.
(sometimes it's nice to get something that you dont have to sweat blood over to get,or work for weeks to win.)