WOW, THERE ARE some big time incorrect statements below, Teddy is correct, let me try to explain it for those here who dont understand basic residential wiring
THREE wires enter the typical residential main panel (plus a copper grounding electrode conductor in some cases) for what is referred to by electricians and engineeers and those in the trade as 120/240 volt Single Phase Three Wire Service. Thats two hots (L1 & L2) and a Neutral (A GrounDED conductor). The Neutral is derived from a center tap in the middle of the 240 volt SECONDARY winding and it is bonded to mother earth.
A typical residential HIGH VOLTAGE PRIMARY VOLTAGE is 7200 or 9600 volts and the pole or pad mount single phase transformer reduces that down to 240 volts SECONDARY, HOWEVER the center of that winding is tapped such that its ONLY 120 volts from EITHER line to the center tapped Neutral.
In the main home panel those three wires, L1,,, L2,,, and Neutral (A GrounDED conductor) are made available such that 120 or 240 volt loads can be fed. THERES NO REDUCTION OR STEP DOWN IN THE PANEL
Years past a typical service was 110 volts which got raised to 115 nowadays its closer to 120
Hope this helps those who are electrically challenged
Best wishes n God Bless
John T Retired Electrical Distributiion Design Engineer BSEE, JD
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