Home ownership in America is one of the most common ways to build wealth for future generations. But in Appalachia, West Virginia presents the complexities and nuances of that reality. The Mountain State has the nation’s highest homeownership rate but the second lowest personal income rate. And there’s another reality at work. Much of that housing is old and needs repair. In one West Virginia county, 67 percent of the homes are more than 80 years old and half rate below normal on standard quality measures. One estimate shows there are 500,000 people living in such conditions. This is a side of the housing crisis we don't often hear -- structures in disrepair without electricity, or running water, that people call home.