Terms of Service

Last Updated: December 22, 2025

1. Acceptance of Terms

By accessing and using Affordability Index ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to these terms, please do not use the Service.

2. Description of Service

Affordability Index provides home affordability data and comparisons for US cities, towns, and ZIP codes. Our service calculates affordability ratios based on publicly available data from Zillow Research (home values) and the US Census Bureau (household income).

3. Use of Service

3.1 Permitted Use

You may use the Service for lawful purposes only. You agree not to:

  • Violate any applicable laws or regulations
  • Infringe on intellectual property rights
  • Transmit harmful code, viruses, or malware
  • Attempt to gain unauthorized access to our systems
  • Use automated systems to scrape or download large amounts of data
  • Misrepresent your affiliation with any entity

3.2 Data Usage

The affordability data presented on this site is for informational purposes only. You may not redistribute, resell, or create derivative works from our data without explicit written permission.

4. Data Accuracy and Disclaimers

4.1 No Warranty

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. We make no warranties about the accuracy, reliability, completeness, or timeliness of the data.

4.2 Data Limitations

Our affordability ratios are relative metrics for geographic comparison only. They do not constitute:

  • Financial advice or mortgage affordability calculations
  • Real estate appraisals or valuations
  • Investment recommendations
  • Guarantees of current market conditions

The data combines different time periods (monthly home values and multi-year income averages) and may not reflect current market conditions.

4.3 Third-Party Data

Our data is sourced from Zillow Research and the US Census Bureau. We are not responsible for errors or omissions in third-party data sources.

5. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, AFFORDABILITY INDEX SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM:

  • Your use or inability to use the Service
  • Any reliance on data provided by the Service
  • Errors, inaccuracies, or omissions in the data
  • Unauthorized access to or alteration of your transmissions or data

6. Intellectual Property

The Service, including its design, text, graphics, and software, is owned by Affordability Index and is protected by copyright and other intellectual property laws. The underlying data is attributed to its respective sources (Zillow Research, US Census Bureau).

7. Links to Third-Party Sites

Our Service may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of third-party sites.

8. Modifications to Service and Terms

We reserve the right to modify or discontinue the Service at any time without notice. We may also revise these Terms of Service at any time. Your continued use of the Service after changes constitutes acceptance of the revised terms.

9. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including if you breach these Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

11. Contact Information

If you have any questions about these Terms of Service, please contact us at:

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