# market_affordability

Returns home-price-to-income ratio, rent-to-income %, live 30-yr mortgage estimate + verdict for any US state or ZIP. Re Cost: $0.005–$0.05 USDC on Base per call.

Agent View of the PolicyLayer registry record for `market_affordability`. HTML page: https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/market-affordability

## Facts

- Tool: `market_affordability`
- Server: Omnicall — Agent Tools Gateway (`https://omnicall.gocreativeai.com/mcp`) — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools.md
- Homepage: https://github.com/https://omnicall.gocreativeai.com/mcp
- Risk category: Read (Low risk)
- Registry record: grade C, identity unverified
- Server auth posture: open
- Server rate-limited: no
- Parameters: 1 (1 required)
- Recommended policy verdict: Allowed

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `arg` | string | yes |  |

Parameters from the server's own tool schema.

## Example call (MCP tools/call, JSON-RPC 2.0)

```json
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "market_affordability",
    "arguments": {
      "arg": "<arg>"
    }
  }
}
```

## Why market_affordability is rated Low

market_affordability retrieves and aggregates real estate market information from public data sources. It performs no write operations (no data modification), no execution of arbitrary code or external actions, no destructive operations, and no financial transactions (only displays cost estimates and mortgage calculations as informational output, not actual money movement).

From the tool's own definition: "Tool description explicitly states it 'Returns' data: home-price-to-income ratio, rent-to-income %, mortgage estimate, and verdict. These are all read-only queries of financial market data with no modification, deletion, or execution of commands."

## Use case

AI agents call market_affordability to retrieve information from Omnicall — Agent Tools Gateway without modifying anything. It is typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.

## Recommended policy (PolicyLayer)

Verdict: **Allowed**. Enforced by the PolicyLayer MCP gateway (https://policylayer.com/mcp-gateway) before a call reaches Omnicall — Agent Tools Gateway:

```json
{
  "version": "1",
  "default": "deny",
  "tools": {
    "market_affordability": {}
  }
}
```

## Other tools on Omnicall — Agent Tools Gateway (78)

- `ai_ask` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/ai-ask.md
- `ai_eco` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/ai-eco.md
- `ai_extract` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/ai-extract.md
- `ai_image` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/ai-image.md
- `ai_music` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/ai-music.md
- `ai_pro` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/ai-pro.md
- `ai_research` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/ai-research.md
- `ai_sandbox` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/ai-sandbox.md
- `ai_speech` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/ai-speech.md
- `ai_summarize` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/ai-summarize.md
- `ai_transcribe` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/ai-transcribe.md
- `ai_ultra` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/ai-ultra.md
- `ai_video` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/ai-video.md
- `crypto_chains` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/crypto-chains.md
- `crypto_defi_tvl` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/crypto-defi-tvl.md
- `crypto_dex` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/crypto-dex.md
- `crypto_exchanges` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/crypto-exchanges.md
- `crypto_fear_greed` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/crypto-fear-greed.md
- `crypto_gas` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/crypto-gas.md
- `crypto_global` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/crypto-global.md
- `crypto_history` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/crypto-history.md
- `crypto_market` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/crypto-market.md
- `crypto_price` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/crypto-price.md
- `crypto_protocols` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/crypto-protocols.md
- `crypto_stablecoins` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/crypto-stablecoins.md
- `crypto_treasury` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/crypto-treasury.md
- `crypto_trending` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/crypto-trending.md
- `crypto_yields` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/crypto-yields.md
- `defi` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/defi.md
- `dex` — Read — https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools/dex.md
- …and 48 more: https://policylayer.com/tools/com-gocreativeai-omnicall-agent-tools.md

## For agents

This record is a snapshot. Live verdicts and the full registry:

- Check every server in your MCP config at once: `npx -y policylayer stack`
- Vet a server before you add it: install the mcp-precheck skill — `npx skills add https://policylayer.com` (skill text: https://policylayer.com/skill.md)
- Query the registry over MCP: endpoint `https://api.policylayer.com/mcp` — tools `check_mcp_server`, `check_mcp_stack`, `check_tool`, `search_registry`, `get_change_events`

---

Source: the PolicyLayer MCP registry — one continuously verified record per MCP server. Full record: https://policylayer.com/registry?q=com-gocreativeai-omnicall-agent-tools · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/com-gocreativeai-omnicall-agent-tools