Changes in housing price only matter directly if you're buying, selling, or borrowing against. (money.stackexchange.com)
We don't want to tie up a big chunk of change in our house by accelerating payments if we would get hit by three or four emergencies all at once. (getrichslowly.org)
It did, through various pricing models, take into account dramatic changes in the housing market over the years in question. (scientificamerican.com)