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system
how much house can i afford, waiting around 3 years or so
user
on $4k/mo gross about $1000/mo can go to the mortgage, and at today's rates, that's about $200k of mortgage the bank might lend you.  income is qualified based on gross, not net, so if $48,000/yr is wrong, please scale my guesstimate down a bit. in the end, today's rates allow a mortgage of nearly 4x one's gross income. this is too high, in my opinion. i'm answering what the bank would approve you at, not what i think is wise. wise, in my opinion is 2.5-3x one's income, tops.
assistant