Jim,
For all we know the market could double in the next 5 years, I would not worry about it. If you were trying to sell next weeK, then I would worry, but how much was the same house you are worried about sell for 5 years ago? I bet for much less!

Good Luck!

Jim, Tinton Falls is not my market so take my advice with that in mind, but frankly, nobody can predict what is going to happen in 5 years.
Right now, I think one of the most important things to consider is how long you have been in your home. Have you been in your home only 2 years? Then that could be a problem for you, even 5 years down the line.
If you've been in your home 10 years or more, then you may come out on top, but perhaps still not what you were hoping.
I realize that I probably didn't help you one bit and for that I apologize. There are simply too many variables that can change in 5 years to predict accurately how this is going to turn out.
I would suggest starting to look at your home with a critical eye and investing wisely in any improvements that might increase value for future sale. You might consider approaching an experienced agent for a comparative market analysis or touring comparable open houses to see how they compare to you and to get ideas for cost-effective improvements. You do have the gift of time on your side.