The United States is among the few countries which have the highest percentage of private housing ownership. This article is divided to three parts to tackle the various aspects of private housing: finance and market; design and construction. The figures of new construction house become the thermostat of American economy, and the home building is seen as the locomotive of US national economy. Measured by the housing price and annual income ratio (PIR) The United States is among the few countries which have the highest percentage of private housing ownership. This article is divided to three parts to tackle the various aspects of private housing: finance and market; design and construction. The figures of new construction house become the Thermostat of American economy, and the home building is seen as the locomotive of US national economy. Measured by the housing price and annual income ratio (PIR)