most first home buyers are in their 20's, with a large percentage early 30's
most first home buyers are probably on $50 - $55K
some have kids..
your also assume they own a car outright
you assume they dont need to buy a new car in the time of their mortgage, or have to buy clothes, TV's fridges freezers microwaves and all the other things replaced as they break down
at anyrate there is not enough salary to cover this.
