Buying a home with a mortgage is the best investment the average person will make in their lifetimes, and national statistics show that homeownership is the number one source of net worth for the average middle class family. There is a financial formula that explains why homes have been such a good investment, and "The Homeowner Wealth Formula" uses almost fifty years of national home price information to show what that formula is, as well as how so many millions of households have been able to build so much financial security over the decades. Underneath the surface, homeownership turns inflation into wealth while multiplying the power of the compound interest formula, with an average national result of quadrupling home equity in the first ten years. This first of a kind book gives homeowners and home buyers what they need to know about what has been the single most important and profitable financial decision that many millions of people have made.