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Cover -- Half Title -- Title Page -- Copyright Page -- Table of Contents -- List of figures -- List of tables -- Acknowledgments -- List of abbreviations -- Introduction -- Why care about homeownership rates? -- Development of homeownership rates -- Explanations in the existing literature and their shortcomings -- New explanation and chapter outline -- 1 The historical origins and persistency of suburbanized versus compact cities -- How Germany became a country of multi-unit buildings -- How the USA became urbanized in single-family house cities -- 2 Historical differences in housing finance -- Germany: mortgage bank regime with non-profit associations -- USA: deposit-banking regime -- 3 Fordist mass production and the Handwerk tradition of single-family houses -- The German Handwerk production of single-family houses -- Mass-produced single-family houses in the USA -- 4 The broader picture of OECD countries: generalization of findings, horizontal ownership and homeownership ideology -- Exploring the generalizability: from two cases to OECD countries -- Differences in the legal tradition of horizontal ownership -- The origins and country differences of the political homeownership idea -- Conclusion -- Appendix -- Index.