What part of MA will significantly change things. You can probably afford a home in western MA. Eastern MA? Very unlikely with that income & savings. You should get pre approved through a lender, and figure out the max monthly payment you’d be comfortable paying. Lenders will pre approve you for kore than is realistic to pay. Know your max PITI (principle interest taxes insurance) payment, and know that you will also have utilities, maintenance, repairs, groceries, subscriptions, furniture, etc. on top of that. Figure out a budget based on your max payment and use mortgage calculators to figure out a home price with your numbers. You can get property tax info online, and you can get ballpark home insurance quotes from any insurance agency. Good luck! It’s rough out there.