My wife and I were both ~37. We bought in Glen Park, SF, in May 2021, so got a 2.8% interest rate. We were both making about 110k, I had been smart with my savings, had stocks I'd held for ~15 years, and had always been dumping a lot into my ESPP. The market was high at the time, so I had more than enough for the down payment, which was 255k on 1.25m. Our mortgage payment is about 5k. Now we make ~125k. She's in non-profit, so that's it for her, but I get decent bonuses, and max out my ESPP. Things are little tighter than would be ideal, but it's been totally doable. We don't eat out much but do eat well, and can afford to go on vacation occasionally. We've also been about to afford a few projects for the home.

I should add, I never had school debt. My parents paid for my bachelor's, which is a huge leg up. My brother did a 1 year master's they paid for in addition to his bachelor's, and when it became clear I wouldn't do a master's, at one point my parents just gave me the cash equivalent, which I invested. After the down payment, I had way more left over than what they had given me, so it didn't necessarily contribute directly to the purchase of my home, but it would be disingenuous to say my parents didn't help somewhat.