06.04
Apply the Housing Special Ad Category correctly
Declare Housing on every real estate campaign, know exactly which targeting options Meta removes or limits, and run the compliance checklist before anything goes live.
Video walkthrough
- Why every Realtor campaign is a Housing campaign
- Where the setting lives and what happens if you skip it
- The limits: location radius, age, gender, ZIP, exclusions, lookalikes
- Fair Housing in ad copy and form questions
- Walking the compliance checklist
What you're building
A campaign setup habit: Special Ad Categories: Housing declared on every campaign, plus a completed housing ad compliance checklist saved with each campaign.
Why it matters
Meta's Advertising Standards require US advertisers running housing ads to self-identify under the Special Ad Category and use only approved targeting options. Meta says ads may be rejected if the right category is not chosen. Beyond Meta, the Fair Housing Act applies to the words and images in your ad. The category protects you from accidental discriminatory targeting; the checklist protects you from discriminatory content.
What you need
- Your business portfolio and ad account from chapter 3
- Your market definition from chapter 2
- Your broker's advertising rules (team name, license number, Equal Housing Opportunity logo requirements vary by state and brokerage)
Time and cost
- Time
- 25 minutes
- Cost
- $0
Step by step
Know what counts as Housing
Meta describes the Housing category as covering ads about housing opportunities. Meta's help page does not give a complete list, so Anu applies a simple rule: listing ads, open house ads, home value or seller lead ads, buyer search ads and database campaigns about buying or selling are all Housing. If an ad promotes buying, selling or renting a home, or your services for doing so, treat it as Housing. Meta also states that Advantage+ catalog ads using Home Listing catalogs must use the Housing category.
Check: You can name the category for each ad you plan: Housing for all seller, buyer and database campaigns in this part.
Declare Housing when you create the campaign
- In Ads Manager, create or open the campaign.
- Find Special Ad Categories at the campaign level.
- Below Categories, choose Housing.
- Below Countries, choose the countries where the ads will run (normally United States).
You will do this for real in chapter 5. Declaring it first matters because the audience options in the ad set change once Housing is selected.
Check: The campaign shows Housing under Special Ad Categories and the country you serve.
Learn the targeting limits so the ad set does not surprise you
Housing limits for advertisers in or reaching the US, from Meta's help center and Marketing API documentation Option Under Housing Location Country, region, state, province or city. No ZIP or postal codes. No location exclusions. Cities, addresses and pins expand to at least a 15-mile (25 km) radius in the US and Canada. Age Fixed at 18 to 65+. Cannot be edited. Gender All genders. Cannot be edited. Detailed targeting Some demographic, behavior and interest options are unavailable. Excluding detailed targeting is unavailable. Lookalike audiences Unavailable, including Advantage+ lookalike. Saved audiences Unavailable; existing saved audiences are updated to comply. Custom audiences Listed as supported; some options only in Meta Ads Manager. Special Ad Audiences No longer creatable in Ads Manager since August 2022. Check: You can explain to a teammate why the age, gender and ZIP fields are locked in your ad set.
Apply Fair Housing to words, images and questions
Avoid Write instead "Perfect for young families" "4 bedrooms, fenced yard, half-mile from Lincoln Park" "Ideal for retirees" "Single-level living, no stairs from garage to kitchen" "Walk to St. Mary's" "0.4 miles to Main Street shops and transit" "Exclusive neighborhood" "Homes in Harbor Point sold for a median of $X last quarter (MLS)" (only if true and sourced) Check: Your draft copy contains no description of who should live in the home.
Run the compliance checklist and save it with the campaign
Copy the checklist below into the campaign folder for each campaign. Complete it before you decide to publish, and again whenever you add a new ad or form.
Check: Every box is ticked, or the unticked items have a written fix before launch.
What success looks like
- Housing declared, country set
- No surprise when age, gender and ZIP are locked in the ad set
- Copy and form questions pass the checklist
Copyable templates
Not legal advice. Your broker's and state's rules may add requirements.
# Housing ad compliance checklist (Anu Playbook, Part 06)
Review before you publish anything. Not legal advice; have your broker or attorney review.
## Campaign
- [ ] Special Ad Categories: Housing selected
- [ ] Countries: only the countries you actually serve (normally United States)
- [ ] Campaign, ad set and ads are still in draft or the campaign is toggled off
## Audience
- [ ] Locations are countries, states, counties or cities you serve (no ZIP codes)
- [ ] No location chosen or skipped because of who lives there
- [ ] Age left at Meta's fixed 18 to 65+; gender left at all
- [ ] No detailed targeting chosen to stand in for a protected group
- [ ] Any customer list was collected with permission to use it for advertising
- [ ] No lookalike or saved audiences (Meta blocks these for Housing)
## Ad creative
- [ ] Copy describes the property or service, never the kind of person wanted
(no "perfect for young families", "ideal for singles", "walking distance to [church]")
- [ ] Images show the home, the area or you; if people appear, they are not used to signal who is welcome
- [ ] Every number in the ad is true and you can document it
- [ ] Your name, brokerage and any state-required disclosures appear where your license law requires
- [ ] Equal Housing Opportunity statement or logo where your broker requires it
## Instant form
- [ ] No questions about race, ethnicity, religion, health, disability, sexual orientation,
financial information (income, credit score, debt), criminal history or government IDs
- [ ] Questions ask about the property, timeline and area, not about household makeup
- [ ] Privacy policy URL is a web page (not a PDF) and describes how you use the data
- [ ] Consent text says who will contact the person and how (call, text, email)
- [ ] Contacting people only for the purpose stated on the form
## Follow-up
- [ ] Opt-out requests (STOP, "remove me") honored in the CRM immediately
- [ ] Same script and same speed for every lead, regardless of name, accent or area
How to test it
Open your draft campaign (after chapter 5) and confirm Special Ad Categories reads Housing. In the ad set, confirm the age range shows 18 to 65+ and you cannot select ZIP codes. If you can select a ZIP code, Housing is not applied.
Troubleshooting
My ad was rejected for not declaring a Special Ad Category.
Duplicate the campaign, declare Housing at the campaign level, and rebuild the ad set audience within the Housing limits. Then review the ad through the checklist before resubmitting.
My old saved audience disappeared or changed.
Meta updates saved audiences to comply with Housing restrictions and saved audiences are unavailable in this category. Rebuild the audience from locations you serve.
A lender wants to co-brand the ad.
If the ad promotes loan products, it may need the Financial products and services category instead. Ask the lender's compliance team and keep the checklist.
Advanced technical details
Optional. You can follow every step above without these.
Technical detailsBackground: why these limits exist
Meta built separate audience tools for housing, employment and credit ads after legal challenges to ad targeting. Meta's developer blog announced in August 2022 that advertisers could no longer create Special Ad Audiences, as part of a settlement with the US Department of Housing and Urban Development (HUD) that also changed how housing ads are delivered. In the Marketing API, special_ad_categories: ["HOUSING"] plus special_ad_category_country enforces the restrictions; bid multipliers are not allowed, and a customer list audience exposes is_eligible_for_sac_campaigns so tools can check eligibility before use.
Sources
Every product step matches the current official documentation listed under Sources. Last checked 2026-10-20.
- How to choose a Special Ad CategoryMeta Business Help Center · read 2026-10-20
- About audiences for housing, employment or financial products and services campaignsMeta Business Help Center · read 2026-10-20
- Special Ad Categories (Marketing API)Meta for Developers · read 2026-10-20
- Updating Special Ad Audiences for housing, employment and credit advertisersMeta for Developers blog · read 2026-10-20
- Advertising Standards: Discriminatory practicesMeta Transparency Center · read 2026-10-20
- 42 U.S. Code 3604: Discrimination in the sale or rental of housingCornell Law School LII (U.S. Code) · read 2026-10-20
- 24 CFR 100.75: Discriminatory advertisements, statements and noticesCornell Law School LII (Code of Federal Regulations) · read 2026-10-20