Standalone houses usually have multiple houses connected to one single transformer. How much depends on density of the houses. For apartment buildings and other dense power needs, there's high voltage directly into the complex, then it's stepped down within the complex to meet the needs.
Instead of those little pole-mounted transformers that are common in the US, we have one of these buildings with a large transformer for each neighborhood https://dms-cf-08.dimu.org/image/032ykUus1ixX?dimension=1200...
https://electrical-engineering-portal.com/north-american-ver...
They do currently.
I can at talk for the French and Swiss system.
- Entire neighbourhood are served by a single 400V 3-phase transformer. - For critical infrastructure, you do have sometimes two transformers in redundancy on the same local loop in case of failure on one.
There is no need for the pole type of transformer everywhere in the street with double layers of cable like in Japan or in the US.
You might find that interesting:
https://data.enedis.fr/pages/cartographie-des-reseaux-conten...
This map references all transformers and distribution lines for the french network nationwide for terminal loops. These are open data: Enedis is a the public operator.
"Poste" is the French Jargon for transformer. BT is for low voltage. HT is for anything >1000V.
Like you will see yourself, the density of transformer is of the order of 10x less than in the US/Japanese model.
Split-phase system and 110V are currently more expensive in term of infrastructure.
The distribution itself is done in 3-phases power, even in the US. The conversion to 110V and split phase is done in the last mile as close as possible to the termination point to limit losses. You have to have tiny power transformers everywhere and this has a significant cost.
At the opposite, end-to-end 400V three phases system requires to have only one large transformer by Area. Generally directly connected to High Voltage (20KV in Europe).