Looking for feedback on a prospective budget including a mortgage.

Hello!

So I am considering to begin the house hunting process later this fall. The mortgage payment i've mapped out would be a $350k home putting 5% down. I wanted to get a gauge of how the below budget looks to see if I am in a strong position.

General Stats:

Credit Score: 794

Buying Area: Austin TX

Age: 27M

Income

Monthly: $5,557.80(net) $8666.67 Gross

Interest Income from HYSA: $90

Housing and Utilities

Mortgage (PITI): $2,800

Water: $60

Internet: $100

Wastewater/Sewer: $60

Trash/Recycling: $25

TV: $100

Electricity: $140

Transportation:

Toll: $50

Gas: $90

Car Insurance: $109.74

Food

Groceries: $300

Dining Out/Social: $100

Communication

Phone Bill: $83.04

Subscriptions

Spotify: $12.98

NYT: $4.32

Games Pass: $16.23

Amazon: $9.92

Chat GPT: $21.28

iCloud: $0.99

Google Photos: $2.15

Personal

Haircut: $50

Pet

Primary Doctor Membership: $37.99

Trupanion: $145.06

Food: $83.87

Flea/Tick: $29.70

Savings/Investing

Core Savings: $500

Home Maintenance Fund: $500

Emergency Fund: $15,000(this would be maintained after closing costs)

HSA: maxed out each year

IRA balance: $45,349(paused contributions this year to supplement down payment/closing costs

401K balance: 86,152 (contributing to 6% match)

Questions

1. There is a general principle that 28% of your gross monthly should go towards housing. How would I best calibrate that especially being in a higher cost of living area?
2. With this budget I do see atleast the initial years of home ownership I may not be able to contribute as much or if any to my IRA. That shouldn't automatically necessitate a need to scale make the housing purchase price.
3. Currently my rent is $1600 so I'd be looking at the delta between that and my mortgage being $2800. Does it make sense to scale back towards a mortgage that's lets say $2400-$2500 to account for rises in property taxes over the course of the loan? I want to make sure that even with the increase in housing costs that saving habits are still able to be maintained.
4. How would you balance against saving more for a down payment vs rising home prices? My take is that lets say I use x additional time for a down payment, don't you risk potentially being priced out of homes in your area, thus so long as you are disciplined it is better to get in as early as you can?

Thanks in advance!