In most cases, an adult would ask another adult "Où habitez-vous?" Which can also be said "Où est-ce que vous habitez?" That would be using the 'formal' form of you. However, students usually use "to" with each other. So in that case it would be "Où habites-tu?" or "Où est-ce que tu habites?" or even, "Tu habites où?" (more casual).
To hear these sentences pronounced, you can go to www.ttsreader.com. Paste your question into the text box, choose a French speaker from the menu and click play.
With a one-on-one tutor, you can have this kind of help on a regular basis.