insurance
homeowners
estimate
census
read-only
free
free

Homeowners insurance cost context: ACS median cost band by ZIP, county, state (estimate)

Census ACS 2023 median annual homeowners-insurance cost band by mortgage status (B25141) and median monthly owner costs (B25088) at ZIP, county, state, for agents. Use before an area cost question. Survey estimate with vintage; never a quote or coverage recommendation. Sample-rate tool for FL, TX, CA, NC. National. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-homeowners-insurance-context instead when your client can only call paid x402 routes; it returns the same records. Direct flat-body route for this one free resource; no API key, payment, or catalog wrapper. Return only the cited bounded evidence described here; this route never produces a paid brief or full report.

post/api/locus_homeowners_insurance_context

Request

  • Base URL: https://api.locus.report
  • URL: https://api.locus.report/api/locus_homeowners_insurance_context
  • Auth: none required

Request body

addressstring

Optional US street address or place; NC uses AddressNC first, other areas use the national geocoder fallback when latitude/longitude are not provided.

latitudenumber

Optional decimal latitude; provide with longitude to skip address geocoding.

longitudenumber

Optional decimal longitude; provide with latitude to skip address geocoding.

Response

Free cited evidence response.

object required

Changes

No recorded changes to this operation across all 1 revision of this API.