So effectively, in the suburban area there is an opportunity to change our average solar reflectance by ~32% [(90% - 10%) * 40%]. If we just abandon the idea that a good house should look like a house in Normandy and have a black roof.
[edit: I've opened a section of sat map (in Sunnyvale, near Reed Ave/Sequoia Dr.) and estimated roof/street/backyard/front-yard by area, for a lot of 2 houses and adjacent street. The numbers above are from that estimate. Heat and noise of ACs is somewhat local (urban heat island effect, etc), so that local estimate is what counts. It is not surprising that we can have 40% roofs. Land is expensive in the suburb like that.]
As per: https://en.m.wikipedia.org/wiki/Reflective_surfaces_(climate... - "If all urban, flat roofs in warm climates were whitened, the resulting 10% increase in global reflectivity would offset the warming effect of 24 gigatonnes of greenhouse gas emissions, or equivalent to taking 300 million cars off the road for 20 years. So it seems, there is not only local/urban heat island effect, but even some global effect. To put this into perspective, Tesla sold 2 million vehicles. No idea, if the Wiki numbers are correct...
Even if houses were 50% of the land area, they take up a miniscule amount of air volume. Also, hot air floats up, so there is little chance you could feel the heat from an AC outside. On the other hand, if the earth is hot because you have few trees, you will feel it everywhere when walking on a sidewalk.
In Europe at least it’s common knowledge that you need to have trees and greenery everywhere to make heat bearable outside. If you replace trees and grass with concrete you get an island of heat that will be unbearable during summer to walk through.
edit: thermal camera image of a walkway with trees in summer https://images.app.goo.gl/m2XN7rqodavDcwoE9