I have thousands of gold and live in a hovel that looks like it belongs to a skooma-sucker.
Here is what I want from a videogame player home. It should be a single room so I don’t have to go through loading screens once I’m inside just to get to my stuff. It should have options so I can decide whether to give it wall hangings or not. And I should be able to reach it from a nearby fast travel point without passing any guards in case I have a bounty on my head.
That last one is particular to Oblivion, but incredibly important. If I’ve been raising money to unlock the next quest in the Thieves Guild chain by finding the one NPC in town I consider to be a jerk and then stealing every single apple and piece of cloth in their home, I may need to get back to my storage containers and the bed I only sleep in to level up without hearing Wes Johnson shout at me.
The real estate agent won’t tell you this, but the bandit dungeon Dzonot Cave provides a convenient fast travel point within easy swimming distance of the Imperial City’s waterfront shack, making this run-down hovel a practical choice for the thief about town.
Some people will sing the praises of expensive mansions with multiple wings you need to hire a servant to look after, or the DLC homes that don’t cost any septims to acquire and which feel kind of like cheating.