Do you know where the devolopers have decided to put player houses? Have they even announced specifically that there ARE player houses? I'd say wild guesses.
It's been confirmed that among other places, the Lucky 38 penthouse will be the "top tier" of the player housing options. There are also "faction based" housing among the official housing options.
http://www.youtube.com/watch?v=pg-M526xnXM (starting around the 3:40 mark).
But really that all doesn't matter, FO3 players have been known to make their homes in abandoned shacks and tents, trailers, caves, buildings and the like. All you really need is a usable bed and one or more "safe" containers to stash your gear. The rest is pretty much optional.
With all that said, I'd be happy with the first available shack, hopefully there's one in Goodsprings so I have a place to stash my early gear...