Home prices and interest rates not favorable for an average first time home buyer. Ideally you would want 30% or less of your monthly income to go towards the mortgage, insurance, taxes etc.
There’s no way someone making 100k can afford a house with the minimum down 3.5-5%) on the west coast or HCOL area. Is the only way to purchase a house responsibly save enough to put down to bring your monthly payment into that 30% range?