Locus Rebuild Cost Context

{
  "accessedAt": "2026-09-09T01:56:47.183Z",
  "assumedSqftRange": [
    1800,
    2600
  ],
  "caveats": [
    "Insurers use licensed replacement-cost tools (for example Verisk 360Value) that price this specific structure; this proxy is a locality-level range for context only.",
    "Counties with few permits produce noisy figures; check singleFamilyUnits before relying on the range.",
    "Locus states no dwelling coverage amount and does not assess whether a policy is adequate."
  ],
  "constructionInputPpi": {
    "asOf": "2026-07-01",
    "latest": 344.861,
    "series": "WPUIP2311001 (BLS PPI, inputs to single-family residential construction)",
    "trendFactorSinceBpsYear": 1.068
  },
  "estimateBasis": "PROXY, not a replacement-cost estimate: county single-family permit valuation per unit (Census Building Permits Survey annual county file), trended by the BLS construction-input PPI, divided by an assumed 1,800 to 2,600 sq ft new-home size, floored at FEMA's $100/sq ft BCA default. Permit valuations are builder-declared and typically understate finished cost.",
  "geo": {
    "county": "Wake County",
    "countyFips": "37183",
    "state": "NC"
  },
  "kind": "rebuild_cost_context",
  "note": "Awareness/diagnostic only. Full briefs are x402-paid. Agents can discover live free tools at https://api.locus.report/tools/list and paid tools, prices, and manifests at https://api.locus.report/.well-known/ai-tool/index.json.",
  "ok": true,
  "permits": {
    "reportedValuationUsd": 2382471290,
    "singleFamilyUnits": 8392,
    "valuationPerUnitUsd": 283898,
    "year": 2025
  },
  "point": {
    "latitude": 35.780418000003195,
    "longitude": -78.63910200000142
  },
  "proxyPerSqftUsd": {
    "high": 168,
    "low": 117
  },
  "sources": [
    {
      "name": "U.S. Census Bureau Building Permits Survey, annual county file",
      "url": "https://www2.census.gov/econ/bps/County/co2025a.txt"
    },
    {
      "name": "BLS Producer Price Index via FRED, WPUIP2311001",
      "url": "https://fred.stlouisfed.org/series/WPUIP2311001"
    },
    {
      "name": "FEMA Benefit-Cost Analysis default building replacement value",
      "url": "https://www.fema.gov/grants/tools/benefit-cost-analysis"
    }
  ],
  "status": "ok",
  "verifyNext": [
    {
      "step": "Ask the insurer or agent for the replacement-cost estimate they rate on, and compare it with the parcel's heated area from locus_parcel_lookup.",
      "url": "https://api.locus.report/tools/list"
    }
  ]
}

# bash or zsh: see the payment challenge. Nothing is charged.
curl -sS -g -i -X POST 'https://api.locus.report/api/locus-rebuild-cost-context' \
  -H 'content-type: application/json' \
  --data-raw '{"address":"1 E Edenton St, Raleigh, NC 27601"}'

# x402 v2 sends the challenge base64-encoded in the PAYMENT-REQUIRED header (v1 sends it in the body).
# To read the header:
curl -sS -g -o /dev/null -D - -X POST 'https://api.locus.report/api/locus-rebuild-cost-context' \
  -H 'content-type: application/json' \
  --data-raw '{"address":"1 E Edenton St, Raleigh, NC 27601"}' \
  | grep -i '^payment-required:' | cut -d' ' -f2 | tr -d '\r' | base64 --decode

// npm i @x402/fetch @x402/evm viem
import { wrapFetchWithPayment, x402Client } from "@x402/fetch";
import { registerExactEvmScheme } from "@x402/evm/exact/client";
import { privateKeyToAccount } from "viem/accounts";

// Pays at most $0.01 per call.
const client = new x402Client().setSpendControls({ maxAmountPerPayment: "$0.01" });
registerExactEvmScheme(client, { signer: privateKeyToAccount(process.env.EVM_PRIVATE_KEY) });
const pay = wrapFetchWithPayment(fetch, client);

// Not sure it's safe to pay? ToolVet checks it first for $0.005. Pay for that from a separate
// client: this one is capped at $0.01 per payment. GET https://toolvet.app/api/v1/check?url=https%3A%2F%2Fapi.locus.report%2Fapi%2Flocus-rebuild-cost-context&method=POST
const res = await pay("https://api.locus.report/api/locus-rebuild-cost-context", {
  method: "POST",
  headers: { "content-type": "application/json" },
  body: JSON.stringify({
    "address": "1 E Edenton St, Raleigh, NC 27601"
  }),
});
console.log(res.status, await res.text());

# pip install "x402[requests,evm]"
import os
from eth_account import Account
from x402 import x402ClientSync
from x402.http.clients import x402_requests
from x402.mechanisms.evm import EthAccountSigner
from x402.mechanisms.evm.exact.register import register_exact_evm_client

# Pays at most $0.01 per call.
client = x402ClientSync().set_spend_controls({"max_amount_per_payment": "$0.01"})
register_exact_evm_client(client, EthAccountSigner(Account.from_key(os.environ["EVM_PRIVATE_KEY"])))

with x402_requests(client) as session:
    res = session.post(
        "https://api.locus.report/api/locus-rebuild-cost-context",
        json={
            "address": "1 E Edenton St, Raleigh, NC 27601",
        },
    )
    print(res.status_code, res.text)