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Greg, great response, thank you very much.

It sounds like moving is inevitable for you. If that is true then sooner might be better than later because interest rates are still very low and your kids haven't started school yet. Once your kids start school, they will have more friends in the neighborhood, it will be much harder on them to move. Be very careful about your commute though, a long commute will take valuable time away from “family time”. When they are in grade school, if you get home at six thirty and they go to bed at eight that only leave you, at best, 90 minutes of “together” time on weekdays which isn't very much since a lot of it will be used for routine things like dinner and getting ready for bed.

Ouch! This one hurts a little because right now I have a 45 minute commute each way and work a 10 hour day (part of the regime here - financial company, guys in their late 20's and early 30's, IT people). I leave the house around 7 am and get home around 7:15 pm if all goes well. If not, I get home later. The girls go to bed at 8 pm, so there are already a few nights a week I don't get to see them.

I'd move closer to the office in a heartbeat, but the housing prices just get insane down that way. I am as close as I can afford.

A 1400 square foot cape here is about $350K. Same thing within 10-15 mins of my office is about $600k, and out of my range.
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