[@KatherinWinter]
well Some live in the city in general so that's why they would have a home, while others who don't really have money would just use dorms their entire stay. it's not really a choice it's if you have money from what I figured lol. Maka had her place because her dad and his nearly infinite money plus death scythe abilities.

like in our case Loki actually lives in death city so would make sense he has a place otherwise where has he been staying all this time when death can't really leave death city.