Short answer: no.
Going by this page and a Voyager episode where Tom and Harry catch a train to work, I'd say transporter use is very restricted, either to Starfleet personnel and/or sufficiently influential people (mainly politicians), and/or hard to earn (Starfleet may be an exception).
Even in the 24th century, we see that transporters should only be operated by highly-trained personnel (things can still go wrong), not something you'd want in every major city.
This assumes that non-Starfleet people would even want to use them knowing they were going to be "dis-assembled".