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.