By default the user working  directory creating in /home  for example if I have created a new user the name of “testuser” the user working directory  would be  /home/testuser

# useradd testuser

# cd /home/testuser

 Do you require to change the home directory of a user, open the useradd configure file and update HOME path
# vi /etc/default/useradd


HOME=/home  change to  HOME=/opt

Create a new user : playboy
root@host [~]# cd /opt/playboy/

root@host [/opt/testuser]# ls -al
total 20
drwx------  2 32014 32015 4096 Jun 14 15:49 ./
drwxr-xr-x 12 root  root  4096 Jun 14 15:49 ../
-rw-r--r--  1 32014 32015   18 Jul 18  2013 .bash_logout
-rw-r--r--  1 32014 32015  176 Jul 18  2013 .bash_profile
-rw-r--r--  1 32014 32015  124 Jul 18  2013 .bashrc

root@host [~]# finger playboy
Login: testuser                          Name:
Directory: /opt/playboy           Shell: /bin/bash
Never logged in.
No mail.
No Plan.

Would you like to modify the user home directory /opt to /home  path ,

Run following command to modify:
# usermod -d /home/playboy -m playboy

Now open /etc/passwd  file and search for playbox user,
# vi /etc/passwd


-d Current home directory will be moved to the new home directory

-m  Move the user home directory to the new location