I was 23 years old when I took the plunge and purchased the current home or house that I have in for the last 3 years. My current residence just happens to be a two family that was purchased for $96k. A modest first time home, in one of Manitowoc's top 4 neighborhood by far.
My point is, You as a future home Buyer can do it for you really put your mind and focus on purchasing an affordable house. First time home buyers qualify for a Wheda home loan, with certain restrictions, however only need 3% down. Whoo Hooo!
Caution, Manitowoc's real estate market is affordable yes, but a future buyer must keep in mind that if you don't stay in your newly purchased home for 10 years, (assuming its not a fixer upper to sell) then you should just consider renting.