 If I go back out onto the market, I'm paying a higher price for that home because prices have risen in the last couple of years. And I'm paying a higher mortgage rate. I cannot afford to sell my home and buy a different one. I'm just going to stay put. But with mortgage rates hovering just under 7%, more than double Allison and Larry's current rate, a move would mean payments the couple can't afford. Even if they were to purchase their current home today, they would be paying roughly $500 more each month.