How would your life change if you didn't have rent or a mortgage to pay, i.e., if your housing was free?
There are many people who think that since we live in a parsonage, my home is free. It's not. When a parsonage is part of the package, the salary is significantly less. The district guidelines calculates its value at 25% of salary. Basically, 25% of my husband's paycheck is automatically withdrawn before we are paid. So if my home were free, our household income would increase by 25%. That would be a nice raise.