Which of the following actions is considered steering in real estate?

Steering in real estate refers to the practice of directing clients toward or away from certain neighborhoods based on protected characteristics, such as race, ethnicity, or religion. This action is discriminatory and violates fair housing laws, which aim to ensure that individuals have equal access to housing opportunities regardless of their background.

In the context of the given options, directing clients to specific neighborhoods based on race exemplifies steering because it involves guiding individuals towards or away from certain areas primarily due to racial considerations. This can perpetuate segregation and limit the choices available to clients, undermining the principles of fair housing.

The other actions, while potentially discriminatory or unethical, do not specifically illustrate the concept of steering. Assigning a lower price based on race constitutes price discrimination, denying service based on credit history relates more to an individual's financial status, and offering higher interest rates based on location involves unfair lending practices rather than directing clients based on protected characteristics.