When calculating my net worth, I normally do not include non-financial assets. That makes everything a lot simpler.
Unless you own rental property, your real estate is just a place to live and an expense. You can’t very well live without having a place to live, whether you buy it or rent it.
It does count as part of your estate; your heirs will sell it and spend the money!
An old Persian saying: "saving money just makes your widow's new husband richer."