How Screwed am I with Employer Housing?

How Screwed am I with Employer Housing? I live in affordable housing provided by my spouses employer in a HCOL area. It appreciates at about 1.25% per year. The home was 300K when I bought it a few years ago and the interest rate is 3.5%. I make significantly more with my job now then back then. I will probably never afford in the city where I live as the smallest homes are 1.4 millio...

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