What mortgage can I afford?

Every time I calculate how much house I can afford with $60,000+ a year (not including partner's income) I always get the whole "you can't afford this mortgage" even when the houses I'm looking at are under $160,000. The thing I'm wondering is that if someone with above average income... show more Every time I calculate how much house I can afford with $60,000+ a year (not including partner's income) I always get the whole "you can't afford this mortgage" even when the houses I'm looking at are under $160,000. The thing I'm wondering is that if someone with above average income can't afford a house on the bottom end of the price scale, how do the majority of people in America even have a roof over their heads these days?
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