<prompt> Human: My husband and I are 39, we owe 156,000 2.75 in an okay rural neighborhood. We each commute about 30 minutes in the morning as I run the kids to school and daycare before work. Our house is 30 years old and needs minor cosmetic work but its easy to heat, cool, and the taxes are 3000 per year.Were considering taking on an extra 80,000 in loans to purchase a house in a more expensive neighborhood because our 2 young children could walk to school, I could walk to my job of 9 years, and my husband would lose 10 minutes off of his commute. The school is slightly better, too. The house is not as energy efficient and taxes would be about 5000 per year.My job feels stable but his job is not and it would be impossible to make it on my paycheck alone if we took on the additional debt. I would love to give my kids a better elementary school but is the strained budget and extra expense worth it?  <response>: Really need more info.. what is your combined income, any other debt, and do you have proper emergency funds in place especially how you worded your husbands job might not be stable.In general shortening commutes is worth a lot to me, but I wouldnt if it made my mortgage uncomfortably high. 