If you want to use prudent lending standards your total monthly housing costs including principal,
taxes and insurance should not exceed 28% of your gross income.
No more than 36% of your gross income should be used for all debt service payments.
So with your salary of 90000 you are getting $7500 a month in salary.
Calculating 28% of 7500 gives $2100 available to service a mortgage,
property taxes and insurance.
Running some calculations in a mortgage calculator we can see that a $275,000 mortgage will cost $1,599.42 a month at 5% amortized over 25 years.
With property taxes anywhere from 0.5 to 4% your property tax payment could be from 1500 to 6000 a year roughly.
Let`s assume the lower end around 2400 meaning 200 a month in property tax payments.
Add in $100 - $200 for insurance and you quickly chew up the $2100 you have available for housing costs.
If I was in your situation I would save 20% and get a house around $300,000.
Even though you can afford more you would only need to borrow $240,000 in this case and you would have instant equity.
Only borrowing this amount drops your monthly mortgage payments to 1,395.86.
The other upshot is your property taxes will be lower.
Saving a large down payment makes housing much more affordable.