I want to continue being a homeowner in a walkable neighborhood of a major city, without necessarily always making the astronomical wages that calls for. I won

I want to continue being a homeowner in a walkable neighborhood of a major city, without necessarily always making the astronomical wages that calls for. I won’t stop working, but I might work the kind of jobs that would otherwise require sharing a rental or living in sprawl. In 3-4 more years at big corporates I think I could get my 1BR condo paid off with some passive income to offset property taxes. The HOA fee is basically a “normal” rent and I could pay that out of any job. I’m not sure what’ll happen if I ever need a 2BR though.