In Ada Palmer's Terra Ignota, part of what transforms society into an utopia is the development of some kind of flying car that can take you anywhere in the world in under 2hrs, making borders irrelevant. This transit system is coordinated by a special group.

I would suspect The Culture would have some means to travel very fast. But you are right that it's never explained. In "The player of games" I think the main character lives in a beautiful house with an incredible view, and I always wondered, how did he get that house?

If you think about, the problem could be solved even now, you could use fast trains to connect small cities, and replace cars completely.

I think base case yes, Hub just assigns you something (appropriate, and accommodating your requests as much as possible), but highly desirable locations would be bartered/traded for favors/given to a friend.

I also think that in such a utopia the maximum density would just be a lot lower - no pressure to live near a job or amenities, better transportation, and it'd be easy to move.

In "look to windward", on an orbital, limited tickets for a concert for a famous composer are assigned randomly. A black market forms for those tickets, mostly based on barter as of course they don't have money.

Yeah they can, if the want isolation, no internet or water and no friends around them.

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