Being a home-owner feels so unobtainable.

Been saving for years. Don't have enough savings yet for a good down payment... but I've been trying to see how much is needed to obtain our desired PITI. Even with a $100K down payment on a $275K-$300K home in my area, the monthly is unaffordable for my partner and I. (Around $1,700-$2000)

There are no houses cheaper than $250K available, and if there is, it's extremely tiny or a heavy fixer-upper.

We both make a little over $20/hr and things just feel so impossible. We have no debts at all, good credit scores. We can't comfortably afford anything over a 1,500 PITI. We'd like one under that. We want to ensure financial stability for having future children, unexpected job switches, etc.

I just can't believe that a $100K down payment won't get us there.

Minimum wage here is $11. How can two people make nearly $10 more than that each and aren't able to afford a very humble, mid-range home?

Sorry for the rant. I'm just so ready to get my life started with a home and kids (we're both mid twenties) and I'm realizing it won't happen for another probably 3-5 years if not longer.