<prompt> Human: Im a teacher, Single, frugal living, have student loans, and car payment. What are the chances of me getting a house in the bay areaI make 53kyr before taxesstudent loans 300mocar payments 280moExcellent creditand able to put down 30k for a downpaymentall the budget calculators on the right side of personalfinance says can afford a house 180k, but good luck getting a price like that in this area. What price range have you personally been able to do with a similar salarydebt ratio, and how hardeasy iswas it for you?please add anything else, or ask any questions.  <response>: Right now? No. Later? Yes, if you work towards it. Attack your student loans and car payment, then save what you were paying towards them towards a down payment. Put down a huge amount and your payments will be manageable on your income. It will take time and willpower, but it is possible. 