Fair Housing phrase guide / Steering code words
Is “luxury townhouse” OK in a real estate listing?
OK Generally acceptable per the sources below.
Why
These describe the property rather than people, and they're on the acceptable side of the NYPA and CRMLS lists.
What the tag means
OK means a cited source treats it as acceptable. Any alternative shown is a house-style preference some offices or MLSs ask for, not a legal requirement.
What the law covers here
Steering means guiding buyers or renters toward or away from an area because of a protected class. HUD's rule bans restricting someone's choices by word or conduct. One of its examples is telling a buyer they wouldn't be comfortable or compatible with the people who live there. These code words get flagged because of how an ordinary reader may take them. The words aren't banned on their own.
- HUD rule on steering and other prohibited conduct, 24 CFR § 100.70
- Fair Housing Act, 42 U.S.C. § 3604(c)
Sources
- Fair Housing Advertising Word and Phrase List (New York Press Assn.; source: Oklahoma Press Assn.)
- CRMLS Fair Housing Word & Phrase List (Apr. 2021)
Related phrases
All steering code words phrases on one page · The 12-check listing checklist
Not legal advice. Word lists can't judge context, and laws differ by state and city, with some protecting more classes than federal law does. If you're unsure about a listing, ask your broker or a fair housing attorney. Rule ok-acceptable-terms, ListingLint rules v2026.10.2.