I want to encrypt my user's data but not the whole OS. (Secrutiy + Performance)
Is there an option for home directory encryption in Windows 10 Home?
File / Device encryption requires device support of a TPM 2.0 chipset and InstantGo. A 3rd party app would be required for file encryption in your situation as well since EFS is not supported in Windows 10 Home.
Further details can be found via Microsoft's Windows 10 Specifications: http://www.microsoft.com/en-us/windows/windows-10-specifications