University of Texas at San Antonio: Can a buyer substitute a ZIP home-value index for an appraisal?
DIRECT ANSWER
Source guidance recorded on 2026-08-28. Confirm the applicable policy year, cohort and property jurisdiction before relying on time-sensitive facts. Historical source observation retained; its original period is not a current verification date.
No. The saved ZHVI and sale medians are dated indicators, not property-specific valuations.
Sources & verification
- www.zillow.com source-backed-recovered-record
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