My husband and I have the similar numbers as you in income ($165K) and net ($7,400) and the same savings $60K for house . We only have $20K in student loans ($10K each). We have only been married 24 months and have only been saving for this long about $3K per month. Homes in our city are cheapest $350-$450K as well.

Owning our small condo (bought 2020 with $6K out of pocket at 2.5% interest rate at $150K sales prices) runs us $1,200 per month and we are staying and not buying a single family house for the next 2-4 years until we have our first kid because we want 2 kids back to back and I kids alone will be $2K per month ($1,500 FT day care and $500 for the cheapest family rate health pan among 6 options our jobs offer) 2 kids back to back will be like $3K per month)We both want to be working parents.

Depending on how this year goes we may have to start a fund for fertility treatment and or adoption in the future so we are not buying so we can actually afford a house and kids in the future. Our money is parked in a 5% AYP CD and 3.4% HYSA.