Divide your 20% by 60 to give you an idea of how much to save each month. Use all means at your disposal to quantify any increases in house prices in the area you want to buy. Moving away from big cities means the price of the house is cheaper, usually. The drive will be longer so take that into account of car values and such. Keep expenditures down don't live like you have to prove anything to anyone. We all start somewhere and move up and down in house sizes and prices.
