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  <url><loc>https://calculatorshub.lovable.app/</loc><changefreq>weekly</changefreq><priority>1.0</priority></url>
  <url><loc>https://calculatorshub.lovable.app/calculators</loc><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://calculatorshub.lovable.app/categories</loc><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://calculatorshub.lovable.app/about</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://calculatorshub.lovable.app/partners</loc><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://calculatorshub.lovable.app/pricing</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://calculatorshub.lovable.app/glossary</loc><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://calculatorshub.lovable.app/contact</loc><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://calculatorshub.lovable.app/methodology</loc><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://calculatorshub.lovable.app/corrections</loc><changefreq>yearly</changefreq><priority>0.4</priority></url>

  <!-- US Hub + National calculators -->
  <url><loc>https://calculatorshub.lovable.app/us</loc><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/rent-vs-buy-calculator</loc><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/closing-cost-calculator</loc><changefreq>weekly</changefreq><priority>0.9</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/mortgage-affordability-calculator</loc><changefreq>weekly</changefreq><priority>0.9</priority></url>

  <!-- State-specific mortgage calculators -->
  <url><loc>https://calculatorshub.lovable.app/us/california/mortgage-calculator</loc><priority>0.85</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/texas/mortgage-calculator</loc><priority>0.85</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/florida/mortgage-calculator</loc><priority>0.85</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/new-york/mortgage-calculator</loc><priority>0.85</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/pennsylvania/mortgage-calculator</loc><priority>0.85</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/illinois/mortgage-calculator</loc><priority>0.85</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/ohio/mortgage-calculator</loc><priority>0.85</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/georgia/mortgage-calculator</loc><priority>0.85</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/north-carolina/mortgage-calculator</loc><priority>0.85</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/michigan/mortgage-calculator</loc><priority>0.85</priority></url>

  <!-- State property tax calculators -->
  <url><loc>https://calculatorshub.lovable.app/us/california/property-tax-calculator</loc><priority>0.85</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/texas/property-tax-calculator</loc><priority>0.85</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/florida/property-tax-calculator</loc><priority>0.85</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/new-york/property-tax-calculator</loc><priority>0.85</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/pennsylvania/property-tax-calculator</loc><priority>0.85</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/illinois/property-tax-calculator</loc><priority>0.85</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/ohio/property-tax-calculator</loc><priority>0.85</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/georgia/property-tax-calculator</loc><priority>0.85</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/north-carolina/property-tax-calculator</loc><priority>0.85</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/michigan/property-tax-calculator</loc><priority>0.85</priority></url>

  <!-- State take-home pay calculators -->
  <url><loc>https://calculatorshub.lovable.app/us/california/take-home-pay-calculator</loc><priority>0.85</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/texas/take-home-pay-calculator</loc><priority>0.85</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/florida/take-home-pay-calculator</loc><priority>0.85</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/new-york/take-home-pay-calculator</loc><priority>0.85</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/pennsylvania/take-home-pay-calculator</loc><priority>0.85</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/illinois/take-home-pay-calculator</loc><priority>0.85</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/ohio/take-home-pay-calculator</loc><priority>0.85</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/georgia/take-home-pay-calculator</loc><priority>0.85</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/north-carolina/take-home-pay-calculator</loc><priority>0.85</priority></url>
  <url><loc>https://calculatorshub.lovable.app/us/michigan/take-home-pay-calculator</loc><priority>0.85</priority></url>
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