Ethernet uses transformer-coupled data lines on both ends. Any DC offset present on the lines is thus removed before it hits the PHY.
I'm not up on the latest home powerline standards but there are a few different schemes. As you've already noted, mains power uses AC but at a low frequency (50 or 60Hz). A few of the schemes work by using a higher-frequency modulation scheme that essentially treats the house wiring as an RF connection. Something like QAM1024 at a few hundred MHz will give a lot of data rate. Older systems like X10 (I think it was X10), send high-frequency bursts during the mains-power zero crossing. That makes the receiver simpler (no need to add downconvert) but significantly reduces the data rate as your 1MHz symbol rate can only happen for a few milliseconds per second.