I think its pretty certain player houses will be in and it wouldn't be a huge use of resources to have 1 or 2 that weren't in cities/towns and had a nice rustic feel
I just hope it doesn't get ridiculous like in Oblivion with half a dozen or so, one in every city. Fallout did it right with just the two to choose from, one for each path you chose. One is all you really need, just some place to store your extra stuff and to engage in things like crafting and alchemy.