Nginx 本身沒有支援 Userdir 的模組, 不過, 可以很容易的用 location 的方式來設定.

# user directory
# ~user => /home/user/public_html
#
# php support
location ~ ^/~(?<USER>.+?)(?<SCRIPT_NAME>/.+\.(php|php3|phtml|suphp))(?<PATH_INFO>.*)$ {
        if ($PATH_INFO = "") {
                # avoid empty path_info
                set $PATH_INFO $SCRIPT_NAME;
        }
        root /home/$USER/public_html;
        set $fpm_url unix:/var/run/php-fpm.sock;
        if (-f /etc/php5/fpm/pool.d/$USER.conf) {
                set $fpm_url unix:/var/run/php-fpm/$USER.sock;
        }
        fastcgi_index index.php;
        include fastcgi_params;
        fastcgi_param PATH_INFO $PATH_INFO;
        fastcgi_param PATH_TRANSLATED $document_root$PATH_INFO;
        fastcgi_param SCRIPT_NAME $SCRIPT_NAME;
        fastcgi_param SCRIPT_FILENAME $document_root$SCRIPT_NAME;
        fastcgi_pass $fpm_url;
}
# static files
location ~ ^/~(?<USER>.+?)(?<SCRIPT_NAME>(/.*)|)$ {
        alias /home/$USER/public_html$SCRIPT_NAME;
        index index.php index.html index.htm;
        # enable autoindex for users
        autoindex on;
}

記得 php 的部份, 同樣要另外處理, 而且因為網址會有轉換, 並沒有直接套用原本系統的 php 設定.