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Fair Housing Phrases to Avoid in Real Estate Listings

The Fair Housing Act (42 U.S.C. § 3604) prohibits any listing language that indicates a preference, limitation, or discrimination based on a protected class. In Maryland, the state Human Rights Act (Md. Code § 20-705) adds additional protected classes — including source of income, marital status, sexual orientation, and gender identity.

Below is a practical reference of the most common phrases that trigger complaints, why each one is problematic, and what to write instead.

Disclaimer: This guide is for educational purposes and does not constitute legal advice. Fair housing law is complex and fact-specific. When in doubt, consult a licensed Maryland real estate attorney or your broker.
family-friendly / perfect for familiesFamilial Status

Why it's flagged: Implies the property is suited for families with children, which can discourage adults-only households or single occupants from applying.

Say instead: "welcoming neighborhood," "great location"

no children / adults onlyFamilial Status

Why it's flagged: Explicit restriction on families with children is a direct FHA violation unless the property qualifies as housing for older persons (55+ or 62+).

Say instead: Omit entirely. If 55+ community, state "Age-restricted community — 55+ housing"

walking distance / steps fromDisability

Why it's flagged: Implies physical mobility as a prerequisite to enjoying the property, which can discourage people with mobility impairments.

Say instead: "conveniently located near," "close to," "minutes from"

able-bodied / active lifestyleDisability

Why it's flagged: Suggests physical ability is required to live there comfortably.

Say instead: "outdoor access," "near trails and parks"

bachelor pad / man caveSex / Gender

Why it's flagged: Gender-coded language that signals the property is intended for a specific sex.

Say instead: "home office," "bonus room," "media room"

master bedroom / master suiteRace

Why it's flagged: HUD and many state commissions flag "master" as potentially racially coded language due to its association with slavery. Risk is low but rising.

Say instead: "primary bedroom," "owner's suite"

Christian community / near churchesReligion

Why it's flagged: "Near churches" alone is borderline — listing a specific religious community as a selling point implies preference for a religion.

Say instead: "near places of worship," "near schools and community centers"

ideal for couple / great for twoFamilial Status / Marital Status

Why it's flagged: Implies the property is intended for couples, discouraging families with children or single-person households.

Say instead: "cozy," "efficient layout," "great use of space"

safe neighborhood / low crimeRace / National Origin

Why it's flagged: "Safe" is frequently a coded reference to the racial or ethnic composition of a neighborhood. It is one of the most commonly flagged advisory phrases.

Say instead: Describe physical attributes: "well-lit streets," "quiet cul-de-sac," "low-traffic street"

exclusive / prestigiousRace / National Origin

Why it's flagged: Can signal that not everyone is welcome — historically used to describe racially restrictive neighborhoods.

Say instead: "sought-after location," "established neighborhood"

up and coming / transitional neighborhoodRace / National Origin

Why it's flagged: Coded phrases often used to describe neighborhoods undergoing racial or ethnic demographic shifts.

Say instead: Describe tangible improvements: "recently renovated infrastructure," "new development nearby"

no Section 8 / no housing vouchersSource of Income (Maryland)

Why it's flagged: Refusing housing voucher holders is illegal in Maryland under Md. Code § 20-705. Federal law does not yet require this, but Maryland does.

Say instead: Omit entirely. Maryland landlords must accept housing vouchers.

minimum credit score 680 / must have 700+ creditRace / National Origin (Disparate Impact)

Why it's flagged: Stated credit score minimums in the listing itself create documented disparate impact on protected classes with historically lower average credit scores.

Say instead: State minimum requirements in the application process, not the listing description.

no ESA / no emotional support animalsDisability

Why it's flagged: Emotional support animals are not pets — landlords must provide reasonable accommodations for ESAs under the FHA. Listing "no ESA" is a direct violation.

Say instead: "Pets considered on a case-by-case basis." For ESA/service animal policy, consult your broker.

English speaking tenants preferredNational Origin

Why it's flagged: Directly expresses preference based on national origin.

Say instead: Omit entirely.

Maryland-specific considerations

Maryland goes further than federal law in several important ways. Under Md. Code Ann., State Gov't § 20-705, the following are also protected classes in housing transactions:

Source of income is the most commonly violated. Any listing that explicitly refuses housing voucher holders — or implies that vouchers are not accepted — is in violation of Maryland law and can result in a complaint to the Maryland Commission on Civil Rights.

What happens if you get a complaint?

A fair housing complaint can be filed with HUD, the Maryland Commission on Civil Rights, or pursued through private civil litigation. Penalties for a first offense under the FHA can exceed $20,000, and the Maryland Real Estate Commission can open a license investigation independently of any HUD action. Agents — not just brokers — can be named individually.

The listing description is often the first piece of evidence in a fair housing complaint. It is timestamped, searchable, and retrievable long after the property sells or rents.

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Official sources

Links to primary legal sources and regulatory agencies.

Further reading