<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Homepage - Primary SEO target: "How much house can I afford" -->
  <url>
    <loc>https://affordacalc.com/</loc>
    <lastmod>2025-09-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  
  <!-- Main Calculator Page -->
  <url>
    <loc>https://affordacalc.com/calculator</loc>
    <lastmod>2025-09-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- Canadian Cities - Actual routes that work -->
  <url>
    <loc>https://affordacalc.com/ca/toronto</loc>
    <lastmod>2025-09-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://affordacalc.com/ca/vancouver</loc>
    <lastmod>2025-09-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- US Cities - Actual routes that work -->
  <url>
    <loc>https://affordacalc.com/us/new-york</loc>
    <lastmod>2025-09-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://affordacalc.com/us/los-angeles</loc>
    <lastmod>2025-09-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- Premium Features -->
  <url>
    <loc>https://affordacalc.com/premium</loc>
    <lastmod>2025-09-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <!-- Tools and Features - Using actual route paths -->
  <url>
    <loc>https://affordacalc.com/rent-vs-buy</loc>
    <lastmod>2025-09-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <url>
    <loc>https://affordacalc.com/schedule</loc>
    <lastmod>2025-09-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <url>
    <loc>https://affordacalc.com/trends</loc>
    <lastmod>2025-09-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>
  
  <!-- FAQ and Support Pages -->
  <url>
    <loc>https://affordacalc.com/faq</loc>
    <lastmod>2025-09-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  
  <!-- Additional Premium Features -->
  <url>
    <loc>https://affordacalc.com/compare</loc>
    <lastmod>2025-09-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  
  <url>
    <loc>https://affordacalc.com/dti-analysis</loc>
    <lastmod>2025-09-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  
  <!-- Legal Pages -->
  <url>
    <loc>https://affordacalc.com/terms</loc>
    <lastmod>2025-09-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  
  <url>
    <loc>https://affordacalc.com/privacy</loc>
    <lastmod>2025-09-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
</urlset>