10.5.28.  UserDir

UserDir is the subdirectory within each user's home directory where they should place personal HTML files which are served by the Web server. This directive is set to disable by default.
The name for the subdirectory is set to public_html in the default configuration. For example, the server might receive the following request:
http://example.com/~username/foo.html
The server would look for the file:
/home/username/public_html/foo.html
In the above example, /home/username/ is the user's home directory (note that the default path to users' home directories may vary).
Make sure that the permissions on the users' home directories are set correctly. Users' home directories must be set to 0711. The read (r) and execute (x) bits must be set on the users' public_html directories (0755 also works). Files that are served in a users' public_html directories must be set to at least 0644.