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Compare Housing Costs & Affordability

compare_housing
Read-onlyIdempotent

Housing cost and affordability across countries, built for remote workers. Returns monthly rent plus TWO ratios that together answer the real question: rent as a share of the LOCAL median wage (are locals priced out?) and as a share of YOUR remote income (can you afford it?). The gap between them - arbitrageGap, in percentage points - is the single number saying whether a place is cheap FOR YOU; pass remoteIncome to get it. Also returns price-to-income and price-to-rent as a percentage of each country's OWN long-run average (OECD), and mortgage rates (ECB, euro area only; absent elsewhere rather than estimated). IMPORTANT: those affordability percentages compare a country with its own history, NOT with other countries - 127 for Spain means 27% less affordable than Spain's norm, not 27% dearer than Germany. Every rent carries rentBasis: 'measured' where a real Eurostat city figure exists (Spain, Portugal, Switzerland only) or 'modelled' from the site's price basket, which understates housing by up to ~40% where housing has decoupled from the general price level. National averages; not financial advice.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
sortNo'affordability' = rent as a share of your remote income, lowest first (falls back to raw rent when no income given); 'rent' = monthly rent; 'localBurden' = rent as a share of the local median wage; 'priceToIncome' = price-to-income vs long-run average.affordability
flatM2NoFlat size in m² used to convert measured per-m² rents. Default 70; echoed back so the assumption is visible.
countryNoOptional ISO 3166-1 alpha-2 code; echoes that country's row and rank.
remoteIncomeNoYour monthly income in USD, earned remotely. Enables rentPctOfYourIncome and arbitrageGap; omit for the local-only view.
maxRentPctOfIncomeNoOptional filter: keep only countries where rent is at most this percentage of your remote income. Requires remoteIncome.

Output Schema

TableJSON Schema
NameRequiredDescriptionDefault
okNo
rowsNo
focusNo
updatedNo
excludedNo
attributionNo

TDQS

A4.5/5.0
Behavior5/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

The annotations already signal readOnly=true, idempotent=true, and non-destructive, but the description goes well beyond them. It explains what each metric means, warns that affordability percentages are country-own historical comparisons rather than cross-country rankings, discloses that mortgage rates are absent outside the euro area rather than estimated, and reveals the material up-to-40% understatement for modelled rents. This is exactly the kind of non-obvious behavioral nuance an agent needs before trusting results.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

Although the description is long, every sentence carries operational value: what is returned, how ratios relate, the crucial own-history caveat, the rentBasis reliability warning, and the data-coverage limits. It is front-loaded with the core purpose and then layers caveats in a logical order. No filler or redundancy is present.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Given the tool's complexity, the optional parameters, and the existence of an output schema, the description is remarkably complete. It explains return values, units, fallback behavior, data sources, limitations, and interpretation hazards. An agent has enough context to call the tool correctly, interpret results sensibly, and avoid common misreadings without needing to inspect the output schema.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema description coverage is 100%, so the baseline is 3 and the schema already documents every parameter clearly. The description adds some useful semantic context by tying remoteIncome to arbitrageGap and explaining the conceptual meaning of the ratios, but it does not substantially improve on the existing parameter descriptions. It reinforces, rather than extends, what the schema provides.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description names a specific resource and verb: comparing housing cost and affordability across countries for remote workers. It clearly distinguishes this from broader sibling tools like compare_total_cost or compare_countries by focusing on rent, affordability ratios, and the remote-income lens. It also specifies concrete outputs (monthly rent, two ratios, arbitrageGap), so an agent knows exactly what this tool is for.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description gives clear context: it is for remote workers evaluating housing affordability, and it explains when remoteIncome should be passed to get the arbitrageGap. It does not explicitly name alternatives or state 'use this instead of compare_total_cost,' but the housing-specific framing makes the intended use evident. There are no exclusions beyond the ECB/Eurostat coverage note, which is more data-availability guidance than usage routing.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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TDQS

A3.9/5.0
Disambiguation3/5

Several tools occupy adjacent territory: check_travel_residency explicitly supersedes check_residency, check_schengen, and check_tax_residency_risk, and the cost-of-living family (arrival_cost, compare_total_cost, compare_housing, estimate_micro_costs, calculate_ppp, localize_salary) has overlapping price-level concepts. The detailed descriptions mostly clarify boundaries, but an agent selecting by name alone could easily pick the wrong residency or cost tool.

Naming Consistency4/5

Most tools follow a clean verb_noun snake_case pattern with recognizable prefixes (compare_*, check_*, find_*, calculate_*), which makes the set predictable. Deviations like arrival_cost, passport_power, required_rate, and the acronym-heavy calculate_ppp keep it from being perfectly uniform.

Tool Count3/5

26 tools is a heavy surface, and at least three of the check_* tools are explicitly superseded by check_travel_residency, adding redundant weight. The broad geo-arbitrage/nomad domain justifies much of the breadth, but the set feels closer to a full toolkit than a focused server.

Completeness4/5

The toolset covers the core remote-work and geo-arbitrage decision space: cost of living, purchasing power, tax residency risk, nomad visas, housing, healthcare, climate, connectivity, holidays, salary localization, FIRE, livability, and even team timezone planning. Gaps are minor—no family-size cost tool, no immigration/citizenship pathway data, and no dedicated safety/crime dataset beyond the livability composite—but agents can work around them.

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