# Locus House Price Index & Property Scan

> Locus House Price Index & Property Scan is a paid API for AI agents from api.locus.report, paid per call via x402, $0.05/call, status unknown (last checked 2026-09-14).

Scans local records, parcel rules, and risk signals for a US property to surface factors affecting its use, cost, plans, or future value.

## Facts

- Endpoint: POST https://api.locus.report/api/locus-house-price-index
- Price: $0.05/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/locus-house-price-index-property-scan-8c95672d
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_mWRzxhCAWj-YK3wAZPXoY

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability locus-house-price-index-property-scan-8c95672d -d '<json body>'
```

Example prompt: Can you run a Locus property scan on 742 Evergreen Terrace, Springfield, IL to check local records, parcel rules, and any risk signals that might affect its value or future use?

## When to prefer this

Use this endpoint when you need a quick, low-cost ($0.05) preliminary scan of local records, parcel rules, and risk signals for a US property — especially useful before a purchase decision, development plan, or investment analysis. Prefer this over full property data APIs when you need a fast early-stage signal rather than a comprehensive appraisal.

## Known failure modes

- Missing both address and zip returns a validation error
- Invalid or unrecognized US address may return empty records array
- Non-US addresses are not supported
- Payment of 0.05 USDC not fulfilled returns 402 Payment Required
- Malformed JSON input returns 400 error

## How this service works

FHFA house price index trend for a state. Perfect for: 'house price index for a state', 'home price appreciation in a state', 'HPI year-over-year for an area', 'state home price trend', 'how much have home prices risen in a state'. Returns the FRED-hosted FHFA all-transactions HPI for the state of a US point: latest index, year-over-year percent change, and units. State-level. Historical index, not a forecast. Key-gated (FRED); charge-free when unkeyed, on failure, or no data.

## Output

Returns a JSON object with a report ID, list of caveats, local records array, and a generation timestamp — surfacing parcel rules, risk signals, and factors that may affect the property's use, cost, development plans, or future value.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "address": {
   "type": "string",
   "maxLength": 200,
   "minLength": 5
  },
  "latitude": {
   "type": "number",
   "maximum": 90,
   "minimum": -90
  },
  "longitude": {
   "type": "number",
   "maximum": 180,
   "minimum": -180
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "id": "locus_example",
  "caveats": [
   "Example artifact; not live data."
  ],
  "records": [],
  "generatedAt": "2026-01-01T00:00:00.000Z"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/locus-house-price-index-property-scan-8c95672d/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.locus.report](https://www.zero.xyz/host/api.locus.report/llms.txt)