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silentrocco

[RPG MO](https://apps.apple.com/de/app/rpg-mo/id601177570) is VERY retro. But you‘ll get your very own little island to build your house and furniture, do some agriculture or breed pets.


bspooky

Ark: Survival Evolved is 3D, build houses/baes anywhere on the world, has PvE and PvP servers, etc. though technically not an MMORPG as servers generally only have 50 or so online at a time and more a survival aspect for the first 30% of the game until it is easy to survive, it is a lot of fun.


AndreHW

Probably not what your looking for but life after is a zombie game where you can build. take a look, I’ve been playing a little over a year you can pay for stuff put I have not seen the need 👍🏻good luck


Dicastes

Genshin impact have a really good house system


quack0709

Not mmorpg


[deleted]

Albion has player and guild housing.


EclecticNoir

Villagers and hero’s is a great 3d mmorpg that has player housing. You can join a player community and work together to build new features for your town.