Outside some strips of land on the coasts much of the masses do own homes. Some people get them at 30, some people get them at 50 but for the most part everyone who isn't just bouncing around minimum wage jobs will be a homeowner. That's not to say that the home isn't just a trailer on land and that the location and/or upkeep of the home won't make most upper middle class HN-ers recoil in horror but the fact of the matter is that a heck of a lot of people are homeowners and most of them aren't rich by any stretch.