 While 85% of American homes had 3 or fewer bedrooms the median number of total rooms per housing units was 5.3 in 2005.Considering these statistics one can conclude that the average American resides in his or her own home, pays roughly $1,000 per month in mortgage payments for a three or less bedroom house with no more than one occupant per room.US Census Bureau data from 2002 identified a series of housing characteristics for units owner-occupied units inhabited by households with average incomes, ranging from $40,000 to $60,000.