Or just, you cant camp at will while in the city walls so have to book a room at an inn each night, ala BG, which transitions you to an Inn room 'camp'
maybe with a quest that gives you a long term room as payment? or something like BG2 guildhouses
A house would be, less adventurer than an Inn or a guild, and if a guild you could do upgrades and stuff and have a base development angle to the game like pillars or kingmaker, not just decorations.
