also: もちや
noun
one's own house; privately owned home
Refers to a house that one owns, as opposed to renting. Commonly used in contexts like housing statistics, personal finance, and discussions about homeownership.
彼は30歳で持ち家を買った。
He bought his own house at age 30.
持ち家率が年々下がって
The homeownership rate is declining year by year.