In Canada and probably the same in the States the electric company gives us 240V with a grounded neutral center-tap. Only high power appliances like a stove and a clothes dryer use 240V. They recently replaced the transformers (they were 30 years old) that are on top of the ground. The transformer for my part of the street is 100kW and feeds 12 homes. The electrical wiring, telephone, natural gas, water, sewer and cable-TV/internet cables are all underground.