re: How much home can I afford?

With that down payment you could feasibly go up to 500k considering you have no other debt as long as you don’t plan to add any debt.

Keep in mind you’re in your 30s and a mortgage will be long term so you need to factor in possible future expenses such as eventually starting a family, need for new car, etc. also increase in salary.

I would suggest moving out of city and find a family sized home for under 400k so you’re set if you end up meeting someone to marry.