You could make some form of structure or even a Actor which is the room.
This will contain all the data such as what furnature is owned - X+Y+Z Location of the furtnature and such and you can then save this into a slot.
So if the player is called TestPlayer, their home could be saved into slot “TestPlayerHome”.
All you would need to do then is when they teleport to their home you load slot “testplayerhome” and get the actor - spawn it in. you could then teleport the player into the place where the room is in the world.
Probably a better idea then having a MMO persistence running that will keep all thousands of rooms that all your players across the servers own running even if they aren’t in use.
The main town however, that might have to be something you keep running all the time.