In any country or city, home ownership percentage is defined as
=: number of owner-occupied homes / total number of occupied housing units

It is around 2/3 in the U.S. as of 2021.

The numerator includes homes not fully paid off. About 38% of all U.S. (occupied) housing units are owned without mortgage.

Q: What if a single “occupied housing unit” is sub-divided into multiple “homes” used by multiple families?
A: It would probably be reported to the census as a single unit. See https://en.wikipedia.org/wiki/Home-ownership_in_the_United_States

The same wikipedia article also pointed out that the percentage of adults-who-own-their-home is believed to be significantly lower than the homeownership rate. Reason? Only the single owner or the main couple (or adult child + the aged parent) are the legal owners, possessing legal right to the property. Any other adults living in the same home are not home owners.