Arksansas - Where it's a crime to not pay rent.

[sanantone]

I missed the PITI part of videosgamesrock's post, but the rest of my response still stands. Buying a $90k house on a $16,000 income is not advisable. I also agree with Dfrecore that one would have a hard time getting approved for a loan. 

When you're making $60k per year, spending half of your income on housing costs is not as bad because you'll have plenty of money left over for utilities, food, transportation costs, unexpected repairs, etc. If half of a $16k income is going toward housing costs, that's at or near poverty anywhere in the U.S.

I remember when I made $18k, and I couldn't afford to fix my car even though I only paid $550 in rent.