Long ago I made the decision to live in a smaller house close to work. My company's office is 15 minutes by bike from my house. Riding through the cool air every morning was a great start to my day. The office is perched above a canal. As I worked, I'd watch the boats go by and the bascule bridge go up and down. It was a great life.

Now I'm working in windowless cinderblock closet in my basement. I live near family and friends so just uprooting to a mini-mansion in the country isn't really a workable option. Companies clearly valued nice offices as a quality of life benefit to their employees, but now providing that nice office experience is squarely on my shoulders.

If my partner and I are going to be working remotely for the long term we'll probably need to move to a bigger house that can give us both better work spaces, which will probably cost $200K-$300K more than our current home. $250K financed at 3% interest over 30 years is $1200/mo plus things like heat, maintenance, furnishings, etc.

I don't expect my company to pony up a $15K/year remote work stipend, but also I see this a WFH future as a net downgrade from my old way of life.