I live in a small (2k+ sf) home, in a subdivision built in the 1960's. Stick built homes, some with above-ground bottom floors sheathed in concrete. All neighbors are within thirty feet.
I've chosen a Mossberg .410 and a Taurus Judge Public Defender with HD shells as my in-the-house defense weapon of choice. I think shooting a 9mm or hotter handgun round would be a mistake if something happened here, and might result in over penetration. I chose .410 for the shotgun because my experience with 12 or 20guage is that the noise and flash would be way too much for the environment.