We have owned 4 houses in St. Louis that did not have a centralized source of heat. They all had coal stoves at one time, but in modern times they used electric heaters. Except for our own house, people were living in all of them.
This is in an area where natural gas is cheap and is the common heating source for a forced air system, it’s just that someone has to spend the $ put in a forced air system. People did not have the money to install these systems in these old houses.