We are depreciating our house each tax year which lowers our total basis in the house. Fortunately, we still have the one time exclusion on sale of primary residence if we decide to sell. Otherwise the house assumes a new basis at our death for our heirs. Whether or not you decide to keep your house, I encourage you to examine your overall financial position. Your primary cash reserves should be three times your monthly living expenses.
Cash reserves are emergency monies for repairs, trips, new purchases, medical needs.
You, in effect, borrow from yourself to cover short-term expenses that can be overcome by time and continued saving. You need to get rid of as much outside debt as possible. At the end of the year, you should be worth more than you were at the beginning, with your savings and investments greater than your prior year's. There are a few exceptions, but in general the base rules apply. Learn to save.