It sounds like your real problem is that your wifes income is lost. If she was working, it seems that you would be ok, regardless of what the housing value does. I am assuming she is looking for work, help her. And then all the rest will go away. Enjoy your house, forget about the “value”, and in 27 years you will have something of real value; Your own house.
I agree that rental income and location would be helpful in giving advice better advice.
