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  <!-- Core marketing pages -->
  <url><loc>https://nestcost.com/</loc><lastmod>2026-08-22</lastmod><changefreq>weekly</changefreq><priority>1.0</priority></url>
  <url><loc>https://nestcost.com/pricing</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://nestcost.com/how-it-works</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://nestcost.com/tools</loc><lastmod>2026-08-22</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://nestcost.com/remote-work-hubs</loc><lastmod>2026-08-22</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://nestcost.com/learn</loc><lastmod>2026-08-22</lastmod><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://nestcost.com/contact</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://nestcost.com/terms</loc><lastmod>2026-08-22</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://nestcost.com/privacy</loc><lastmod>2026-08-22</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://nestcost.com/refund-policy</loc><lastmod>2026-08-22</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>

  <!-- Learn Center — Getting Started -->
  <url><loc>https://nestcost.com/learn/first-time-buyer</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/co-buying</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/buying-timeline</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/first-year-homeowner</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/home-inspection</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/real-estate-agent</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/home-appraisal</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/property-taxes</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/negotiating</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/hoa-fees</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/pre-approval-guide</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Learn Center — Financing -->
  <url><loc>https://nestcost.com/learn/mortgage-rates</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/credit-score</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/mortgage-types</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/grants-assistance</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/down-payment</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/closing-costs</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/pmi</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/refinancing</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/home-equity</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/tax-implications</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/renovation-financing</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/understanding-pmi-insurance</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Learn Center — Renters & Sellers -->
  <url><loc>https://nestcost.com/learn/rent-vs-buy-high-rates</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/rent-vs-buy</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/renter-down-payment-fund</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/renter-credit-building</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/renting-to-owning-roadmap</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/how-to-price-home</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/net-proceeds-explained</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/pre-listing-repairs-roi</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/agent-commissions-2024</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Learn Center — Investors & Commercial -->
  <url><loc>https://nestcost.com/learn/cap-rate-coc-dscr</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/house-hacking</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/advanced-house-hacking</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/analyzing-first-rental</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/1031-exchange-explained</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/building-rental-portfolio</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/intro-to-cre</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/multifamily-underwriting-basics</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/noi-and-waterfall</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/nnn-leases-explained</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Learn Center — Risk, Insurance & Market -->
  <url><loc>https://nestcost.com/learn/2026-housing-market-outlook</loc><lastmod>2026-08-22</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://nestcost.com/learn/homeowners-insurance</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/property-taxes-by-state</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/interest-rates-affordability</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/true-cost-of-homeownership</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/nestcost-score-explained</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://nestcost.com/learn/flood-insurance-guide</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://nestcost.com/learn/climate-risk-home-buying</loc><lastmod>2026-08-22</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
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