# info.description
Public read APIs for educational mortgage tools: state housing cost factors and Zillow-based state home value / rent metrics. Not underwriting. No API key required for GET endpoints listed here.

# paths./api/factors.get.description
State-average property tax, insurance, and PMI estimates used to prefill calculators. Educational only.

# paths./api/housing/by-state.get.description
Latest stored Zillow-based state metrics. metric=home (ZHVI) or metric=rent (ZORI → state median).

# paths./api/housing/by-state.get.parameters[].description
home = typical home value; rent = typical monthly rent

# paths./api/housing/by-state.get.responses.200.description
State series with ranks and summary stats