Originally Posted by
myrkridia
It wouldn't even be a question if my wife wasn't open to it or it meant a worse QOL for my family. For the sake of framing this question, let's just say the last paragraph is not a factor whether we stay or move.
Under normal times, I wouldn't have had a meteoric rise in seniority the first 2 years at a legacy and the median price and interest rate of a home wouldn't have doubled, but here we are!
The QWL comparison is somewhat tricky to balance, seeing as how I'd have to credit more to be financially comfortable but I'd also have more schedule flexibility. Right now I'm a min credit kinda guy spending more time at home commuting than I ever did living in base for my previous carrier.
Dont let the golden handcuffs of a cheap rate control the decision. If housing prices have doubled then use that newfound equity to begin living where it makes sense long term. With kids though once they get to HS age it gets a lot harder to change locations. Lastly like an infamous podcaster says "marry the house but date the rate" meaning you can always refinance but generally prices seem to go sideways or up over time.