Good question as I have been wondering the same thing after reading the Emirates accommodation entitlements:
"You will be entitled to either furnished or unfurnished company villa OR in both cases the utilities allowance of DHS 152,160 pa."
What it does not mention is the utilities allowance, in this case for the FO, for singles, married with kids, villa or apartment?
If I may also add to BritishGuy's query. Where are new pilots being located for the company allocated villas/apartments? As I understand it there is a lot more accommodation available in Dubai since the GFC.