I struggle with deciding whether or not to stay at a job that's close to home, one in which I really like my team and the work I do, but the pay is way below ma

I struggle with deciding whether or not to stay at a job that's close to home, one in which I really like my team and the work I do, but the pay is way below market rate. The pay normally doesn't bother me unless certain bills or other things come up, but when it does, I always think about my pay rate and where I probably should be at. My issue is that the _only_ thing I don't like about the job is the pay but everything else keeps me here and I don't know what to do.