<prompt> Human: Current home was bought in 2012 November. Loan taken out on the home was 98,188 interest rate 3.625 30 years fixed. There have been no extra payments made and after doing the amortization schedule I realized we have paid about 14k in Interest since and about 8k for Principal. Monthly payment is 680 but 447 is the mortgage and the rest is insurance, tax etc. They are building new homes in the gated community but those homes are bigger and also have more updated appliances, granite counter tops etc. They built a school .1 miles away 2 years ago and I have seen the property value rise and its projected to rise a bit more this year. Should I sell? The principal balance currently is 89k and I cant see the value going up much more in the future  <response>: I cant see the value going up much more in the futureAnd you have based this on what?Do you need to sell? Are you going to move? Do you want to upgrade or downside?The problem is, if you sell your 150K house and look to buy a new one, 150K will get you exactly the house you have.If you are looking to Upgrade, downside, or move, Sell. None of these things have anything to do with the value of your home. 