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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. Gallery Launch Gallery Getty/Twitter/TMZ/Instagram

Taylor's got homes in NYC, Rhode Island, Beverly Hills and Nashville, while Travis holds it down in Kansas City . So when they're with each other, sure, it’s one roof ... but still no keys with both their names on 'em.

We're told the constant jet-setting for the power couple makes a 24/7 shared roof pretty unrealistic for all 365 days of the year ... and yeah, someday th

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