A house owned by oneself; a privately owned home as opposed to a rental.
将来は持ち家を買いたいと考えている。
I plan to buy my own house in the future.
彼は持ち家に住んでいるので家賃を払っていない。
He lives in his own house, so he doesn't pay rent.
郊外には持ち家率が高い地区もある。
There are suburbs where the home-ownership rate is high.