As a single with no dependants I've purchased a home at $360k and with a student loan. It's only possible having boarders that pay rent and help with the bills

As a single with no dependants I've purchased a home at $360k and with a student loan. It's only possible having boarders that pay rent and help with the bills. The value has increased so much that I don't think it would be possible to own a home in my area on my salary any more. Now I'm looking at getting married and the cost of living is going to be okay as long as we don't have kids soon. But I'm getting older and can't put that off too long. I don't understand the housing market to know why it's like this but I'm not sure it's sustainable. People aren't going to be able to afford to have families at this rate. Also, If interest rates ever go back up I'm done.