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  <!-- Homepage / Main Calculator -->
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  <!-- Calculator Pages -->
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    <loc>https://www.rentaffordabilitycalculator.com/rent-to-income-ratio-calculator</loc>
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  <!-- Hub Pages -->
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  <!-- Educational Guides -->
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    <loc>https://www.rentaffordabilitycalculator.com/30-percent-rule</loc>
    <lastmod>2026-01-30</lastmod>
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  <url>
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  <url>
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  <url>
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  <!-- Support Pages -->
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    <loc>https://www.rentaffordabilitycalculator.com/about</loc>
    <lastmod>2026-01-30</lastmod>
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  <url>
    <loc>https://www.rentaffordabilitycalculator.com/faq</loc>
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  <!-- Legal Pages -->
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    <loc>https://www.rentaffordabilitycalculator.com/disclaimer</loc>
    <lastmod>2026-01-30</lastmod>
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  <url>
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    <loc>https://www.rentaffordabilitycalculator.com/terms-of-use</loc>
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