Mortgage rates jumped this past week, making it even harder to purchase a home. But if you think it’s hard to buy in today’s real estate market, with jump-through-hoops loans and the fear of overpaying, try selling your home. Home sales are the lowest in a decade, and median home prices fell 6.1% compared to this time last year.

You’ve got sleepless nights thinking about how much you can afford to let your price drop, all the while working with a real estate agent who’s trying to juggle a notebook of unsold inventory and can’t even remember your first name. And on top of that, you have the average 6% commission you’ll pay this person to sell your home. For a home that sells for $500,000, that’s $30,000.

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