... but honestly these days pretty much lives on the road....
The way the game is put together, I'd imagine most characters are going to find the same thing. An Oblivion character has a house (or more) as a place to dump stuff they don't want to sell, or maybe as a private enchanting/spellmaking location, if they haven't joined the Mages Guild. They don't actually LIVE there, they're out travelling on quests all the time.
Even with Fast Travel to the doorstep, my characters don't go "home" very often.
That said, I do try to find each one a main residence that fits their style. There are a lot of character-specific house mods over at http://oblivionsrealestate.com/