I agree with Bugs and masayoko. I see both points of view. You’re on your way to living in a paid-off house, a goal we all should strive for before retirement. Who wants a mortgage or rent payment in retirement? You could open a line of credit for a rainy day. OTOH, selling would get you enough monthly income from a CD to cover the rent. This house-selling money is almost like winning the lottery. You may have ideas for investing some of that money now.
Another consideration is whether you would want or need to sell in the next few years due to a job move or loss. If there is a chance you would be moving, or that your job would be affected by a real estate downturn, you would probably get more money for your house now, than in a few years.
