Probably for the investment. You have to start out with a simple house, but than once you get it paid off you move into higher class neighbourhoods and bigger houses. Urbanization is actually quite a fastenating subject. I live in one of the fastest growing cities in North America, and the real estate is a big business here. For example, cities change, they start out concentric with with one core and can end up becomming a multi core metropolis, but depending in which sector or city your home is located, the appreciation varies. Homes are an investment, the single most largest investment for families.