I fully support buying on one income, but if spending a bit more will get you in a better/safer/more desirable neighborhood and a house that you are more likely to stay in long-term, I would say to include some of your husband's income in the calculations. Moving is expensive so that has to factor in. If the 250K home would only be good for a few years, it may be worth it to spend a bit more upfront and get the "keeper" house rather than the "starter" house.
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Steve
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