Why do I feel like I can't afford a house?

[NickGross]

I feel like I can't afford to buy a house. Here are my current stats:

43 years old, no kids, not married
Credit Score ~770
Zero debt of any kind
$90,000 annual salary as a software developer
~$80,000 in retirement savings
$5,000 emergency fund
$15,000 in various other liquid savings

Monthly take home is about $4,000
$800 of that is savings ($300 auto, $500 home)
$250 of that is money I budget to blow on whatever
$1000 of that is rent on a small one bedroom apartment (market is CRAZY where I live, this is actually pretty much the going rate for decent, no frills housing)
$1950 is my other expenses like food, utilities, gifting, insurance, taxes, etc.

For whatever reason, I just feel like I can't afford to buy a house cause also i should have Doors installation in San-Francisco consolewindows.com/doors-installation-replacement-san-francisco Yet when I look at my budget, it just seems unreasonable to buy a house. I would like to have a house because I enjoy playing music and doing shop projects. I also feel like paying rent is kinda just throwing money away, especially since I could probably have a mortgage for just a couple hundred more dollars a month than what I'm paying in rent. In case you are wondering, the $90,000 a year is a recent thing. Prior to 3 years ago I was probably averaging about $35,000 a year for most of my adult life.

Am I crazy or overly cautious or both? Also, any general financial advice would be greatly appreciated.

Hi there,

I know this is an old topic, but I thought I'd share my thoughts. It sounds like you're in a solid financial position, especially with no debt and a good credit score. Transitioning from renting to owning can be daunting, but considering that mortgage payments might be close to your current rent, it could be a worthwhile investment. Have you consulted with a financial advisor or mortgage broker to explore your options?

[disneysteve]

NickGross Please don’t dredge up ancient threads like this. I doubt the OP is still looking for advice 4-1/2 years later.