A valid answer to your question is not possible because you have not provided enough information.
You need to do much more research to find an answer. Start with a mortgage professional who will determine how much of a mortgage you can afford. They should also be able to give you other options based on the information you provide. Your zip code indicates you are in Queens. If you are looking in Queens you may be able to find a small condo/coop which would be a good starter home. You will have to be very flexible on which neighborhoods have homes in your price range.
Also consider FHA or SONYMA mortgage programs. Also inquire about low income programs which offer grants or subsidies for your down payment.
Ask around for a reputable mortgage professional and have a face to face with him/her. Income is not the only factor involved in determining your qualifications. Good Luck! If I can help just contact me.
Century21 Yve R.E.
Licensed R.E. Agent
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