It comes down to investment risk.
80k mortgage today. 8 years from now you’re hoping to move and take the equity you’ve built up and use it for the downpayment on your new place.
Uh oh, house is only worth 55k now because the ghetto has spread and that area that 8 years ago was just bordering the ghetto now is ghetto. Bye bye equity.
Now if you sell you’re lucky to just pay off the mortgage. You’ve got no money to put down on a new place, and chances are the areas you want to move to have appreciated in the last 8 years so they’re even farther out of your price range.
Worth the risk to you?