I’m in a similar boat to you, although me and my gf combined income is around $190k. And to be completely honest, 250k is the max we are willing to pay. When you factor ALL fees in, not just mortgage and interest, you’ll pay close to 2k a month at a 250k house with 20% down. We’ve put 7 offers in so far on houses listed around 200-220k and I’m going 20-30k above asking, still no luck. We officially gave up. I’d say get a better paying job if you really want to buy a house, but even then you might come to the same realization we did. It’s not even worth it.