I'd say, "the cost to house ones family is included in CPI calculations." That's clear and accurate. Focusing on subtle technical differences is not helpful f

I'd say, "the cost to house ones family is included in CPI calculations." That's clear and accurate. Focusing on subtle technical differences is not helpful for laypeople. Consider if you had a tire that kept going flat, so you take your car to the mechanic and tell them, "something is wrong with my wheel" then having them come back and say, "no there isn't." Because, technically to the mechanic, tires are the rubber part and wheels on the metal part, and there is nothing wrong with the metal part. That's what people are doing by saying "house prices aren't included" in the CPI. While technically correct, the implication to normal people is that the costs associated with shelter are completely omitted from the CPI.