OS X what are default ownership and permissions for home directory?

In related questions I see instructions on how to set permissions. What is the default OS X permission for one's home directory. How is mine different? (See snippet):

jbeiMac:~ jbei$ pwd
/Volumes/Macintosh HD/Users/jbei
jbeiMac:~ jbei$ ls -l ..
total 0
drwxrwx---@ 101 jbei  staff  3434 May 14 17:15 jbei
jbeiMac:~ jbei$ mkdir test
mkdir: test: Permission denied
jbeiMac:~ jbei$