My parents have
3-phase electricity at home, but I don't (yet).  But I
think it's more common in the UK than in the US.  (BTW my parents have a
16th century farmhouse which they heat electrically during the winter.
Maximum load we've measured, 36kW.) 
 36kW!! Ouch! And cost of electricity is, I understand, higher than in the
 US, true? Except Jamestown, we pay only $0.03565 per KWH  :-)  so 
 electric
  heat is not such a financial killer for homeowners (or
for nuts like me
 with working big iron computers in the basement). 
Dual tarriff (?sp) is quite common.  The most usual scheme is called
"economy 7" which charges about 14c US per kWh during the day and somewhat
less (I think it's less than 5c - sorry, I am not in the UK this week so I
can't check) for a seven-hour period starting at midnight +/- one hour
(exactly midnight on older installations).  Some circuits - mainly heating
- are controlled by the same timeswitch (older installations) or radio
receiver (newer ones) as the tarriff selector on the meter.
It is said that many night clubs use economy 7 tarriff despite no heating
load...
Other schemes exist.  One called "heatwise" also gives you a couple of
short periods of cheap power during the day...
  Yes, very few private residences in North America have
3 ph power 
_unless_
  it was asked for and installed, of course at an extra
co$t. If someone 
has
  a garage or machine shop at home (and the local zoning
laws permit it) 
then
  3 ph can be installed. Otherwise, bigger apartment
buildings, larger
 offices and factory buildings are usually wired for 3 ph at 240 volts or
 480 volts. 
Gosh.  I've seen 3-phase 208 volts in the US, but what would they use 240
for?
Philip.