here is how I lay out my housing.
I have 1 apartment building (2 later on in game) that I keep free of rent for retired, students and kids. I make lower middleclass neighborhoods that combine bunkhouses at 2$ and country homes at 3$. This is so my single, uneducated can afford bunkhouses, and married uneducated and single highschooled can afford country homes. Then I set up neighborhoods of upper-middleclass homes that include country homes again at 3$ and regular homes at 5$. this way same thing applies for country homes as before, but married highschoolers, single college educated can afford normal homes. And on occasion I will build a few luxury houses at 10$ so that only my upperclass can live in royalty.
Findings- I have found that if you layout a neighborhood with country homes, normal homes, roads, small fountains and gardens, upperclass tourists dont mind these neighborhoods, infact they like them. And tourists love luxury housing, so I try to keep them near the tourist area (except I like 1 luxury home near my palace because it looks cool.)
I micro manage my wages/rent so that I keep this layout working. Wages go up? so does rent.
The only hassle is kicking soldiers, engineers and other highpayed workers out of my free apartments.