Taylor Swift and Travis Kelce may have forever on the horizon, but hold the housewarming ... the power couple still isn't officially living together under one roof ... TMZ has learned.
Sources with direct knowledge tell TMZ ... while Taylor and Travis each have their own digs, there's no current joint love nest on paper ... at least not yet.

Taylor's got homes in NYC, Rhode Island, Beverly Hills and Nashville, while Travis holds it down in Kansas City.