I say /hćʊs/ as do most Australians, or even a more centralised /həʊs/
The British are more likely to say /haʊs/ as traditionally written, though accents vary a lot.
/hoʊs/ is problematic since /oʊ/ is used for the sound of ‘home, ‘bone’ etc. It would be uncommon to hear /hoʊs/.
I’ll let an American answer for Americans!