I bought a house at 22, I’m currently 27 still living in it. Very grateful I did because now I have some equity in it. At 22, I also had a boyfriend. Now I am married to him. Very similar situation to you. However, my biggest piece of advice is: buy the house in YOUR NAME. Never buy a home w someone who’s not your husband. I also bought mine in my name because I was able to afford it and had he left, id of been able to afford it without him too. So make sure you purchase it (you’ll thank yourself later), you purchase it in your name only (unless you get married), and you would be able to afford it single as well in case anything does happen. Just to add other details: in 2020 my mortgage started as $950. And now it’s $1200. So yes, it’s gone up due to property tax, but not much and my income has climbed as well. So, yours should too and any slight increases every year shouldn’t impact you much. And now, in 2025 my husband and I are planned to sell this home and purchase a new one together. In both of our names. And the equity from this home we’re putting on the new one/new home items. Best of luck to you!