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I've never seen a system that both satisfies the player and is easy enough for the administration. But for my project I am going with something similiar to what Tavish is doing. Our rooms are dynamically generated anyways, so any objects added to the room will add more flavor.
And other 'home' objects that can be played with: a can of paint, a carpet store, a furniture store, a and the kitchen sink store. All the things that make a home a home.
Sure you won't get the lavish descriptions of how bountiful the house is, unless the house is bountiful, and money has been spent on the items in the house.
And as to the original post, I think there are some player-owned home snippets out there, but I imagine most of them take a fair to high level amount of tweaking.
A search at Kyndig for home gives at least one hit for a player owned homes:
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