Do We Ever Truly Own Our Home?
I recently came across the statement in the picture above, and it really made me stop and think.
The more I thought about it, the more it made me reflect on our own situation.
In less than ten years, if all goes according to plan, Scot and I will have our home completely paid off. No mortgage. No monthly payment to a bank. The house that we've worked for, sacrificed for, and poured years of our lives into will finally be ours.
Or will it?
The reality is that even after the mortgage is paid, there will still be property taxes. If those taxes aren't paid, the government can place a lien on the property and, in some cases, eventually take it. That means that while the bank may no longer own a piece of our home, there will always be an ongoing cost attached to the land we live on.
Now, I understand that taxes help fund schools, roads, emergency services, and other public needs. This isn't about arguing whether those services are important. It's simply about the interesting reality that "paid off" doesn't necessarily mean "free."
For many families, paying off a home is one of life's greatest milestones. It represents years of hard work, discipline, delayed gratification, and perseverance. It's the reward at the end of decades of budgeting, making sacrifices, and choosing needs over wants.
When I think about our own journey, I realize that a house is so much more than lumber, bricks, and drywall. It's where memories are made. It's where we've celebrated birthdays, gathered around the dinner table, welcomed family and friends, and weathered life's storms together. It's where we've laughed, cried, prayed, and dreamed about the future.
Like many families, we've had seasons where money was tight and unexpected expenses seemed to come out of nowhere. There have been repairs, maintenance projects, rising costs, and all the responsibilities that come with homeownership. Yet through every season, God has faithfully provided what we needed.
That's why the thought of making that final mortgage payment is exciting. Not because it means we'll never have another expense, but because it marks the completion of a long journey. It represents years of commitment and sacrifice. It represents choosing financial responsibility when it would have been easier to spend elsewhere. It represents staying the course even when progress felt slow.
At the same time, the statement above serves as a reminder that true security isn't found in a house, a deed, a bank account, or even a paid-off mortgage. Any of those things can change in an instant.
Scripture reminds us in Psalm 127:1:
"Unless the Lord builds the house, those who build it labor in vain."
That verse has taken on greater meaning for me over the years. We can work hard, make plans, and strive toward financial goals—and we should—but ultimately everything we have comes from God. He is the One who provides opportunities, strength, wisdom, and blessings.
The older I get, the more I realize that ownership is often an illusion. We spend our lives accumulating things, maintaining things, and protecting things. Yet none of it truly belongs to us forever. We are simply caretakers for a season.
Our home is a blessing. The land we live on is a blessing. Every mortgage payment we've been able to make has been a blessing. Every improvement we've made and every memory we've created within these walls has been a blessing.
So while I may still find myself pondering the question of whether we ever truly "own" our homes, I know this much: I am grateful. Grateful for a roof over our heads. Grateful for God's provision. Grateful for the opportunity to work toward a goal that once seemed so far away.
Ten years from now, when we stand in our paid-off home, I hope I'll remember not just the financial accomplishment, but the journey that got us there—the lessons learned, the sacrifices made, the prayers prayed, and God's faithfulness through every season.
Because at the end of the day, everything we have is His anyway. We are simply stewards of the blessings He has entrusted to us.
And perhaps that's the most important lesson of all: our true security isn't found in what we own, but in the One who owns it all.







