I stopped checking and trying after I got to 150,000 (I think I got up to around 180,000 when it jumped up). I only wanted the gold house model! I may try a challenge just to mix it up a bit as I'm starting to get a bit bored in the game. This'll keep me going.
Jirachi has 24,358 points, Wishy has 25,253 points, and I'm not going to check my brother's houses.
Eh, I decorate however I want to. I don't care about the badges and prizes and stuff right now.