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ETA: I'll ask this again since I never got an answer that last time I posted this question: If your chapter has a house, is there some sort of requirement for living in it?
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This is generally a chapter/local issue, not a national issue. If a chapter has a house, and it doesn't look like a large single-family home, then there's probably a one year requirement to live in, unless you can find someone to take your spot. At some schools in the Big 10 and old Big 8 schools, you might have a two year live-in requirement, or a 2.5 year live-in requirement (which means you're there 3 years).