Holodeck technology appears to be common on Federation planets (noting that Janeway grew up with the hologrammatic Flotter stories some 30+ years before we see the advanced holodeck in TNG: Encounter at Farpoint) but by no means within the grasp of most individuals. It looks like it's more of a 'common good' like a cinema or a park than a home entertainment product like a flat-screen TV.
In DS9: Meridian, Quark (the owner of a set of holosuites available to rent at very reasonable rates) marvels at the idea that someone might own something so extravagant for their sole use.
TIRON: You know, if this program is as good as you claim, I might just purchase it from you to use at home.
QUARK: (awestruck) You... have your own holosuite... ?
TIRON: Just a little present I bought myself...
[And with that he EXITS to the holosuite. Quark watches the door shut behind him.]
QUARK: (to himself) His very own holosuite... it's good to have money...
Given that the Federation has no millionaires, it seems more reasonable that you simply book time at a local holodeck amenity than that you own one yourself.