Poor houses should have nothing of worth or a few scraps of jewels worth at most 1 septim ( or any gold coin ftm. )
Rich house one lock box with some 20 gold jewelry, some silver objects worth between 3 and 6 gold.
Merchants should have their stock to steal from.
Basically most of these threads and there have been lots, ask for tons of loot, or objects worth loads o' money.
Why? so being a thief is not hard and worthless that you are rewarded for roleplaying.
That is what the thieves guild is for, contract work for greater pay from criminal contacts high up.
B&E's should be the minimal risk of jail time that they are in the last TeS games, the rewards should be low unless you clear out an entire house.
Even then 200 gold plus is ridiculous to ask for from every house, in oblivion you could make 100 with the right place which is fair.
Think how much you have in your house and what it is worth or that you paid for it.
Then imagine someone stealing it and trying to sell it on.
If they gut your entire house and steal your car as well they will get a tiny fraction of what it cost you.
Thieves don't make a fortune, they just have ways to make money with less work.
You want loot in fantasy get someone to pay you to steal an artifact, or kill a bunch of bandits.
How about having items that are enchanted, but also that normal folk would actually use around their house? "Eldritch Broom of the Winds", "Morgon's Calipers of Great Precision", "Cabbage of Divine Justice", that sort of thing?
Above is a post from a Dev from the last one I read.
I may be wrong but I think it's intent is to be sarcastic, as enchanted and normal is an oxymoron.
That and the cabbage of Justice is such an obvious mockery.