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Another thing. Usually a house in a city doesn't have it's own dedicated stepdown transformer on the pole. Occasionally you'll see that if you are out in the country and the nearest other house is far enough away that it's cheaper to have 2 transformers than the cable to run 240 split phase to both.
Everywhere I've lived the transformer was shared by atleast 3 houses. Individual transformers are more common in industrial and commercial applications. If one factory in an industrial park or one store in a commercial center blows a transformer or needs to triple it's power consumption (requiring a bigger transformer) if the power company has to shutdown 4 such customers over an issue with one and those other 4 loose thousands of millions because of the other guy the utility is going to have angry customers.
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