Just a random question from a guy who is no where near where you are in life.
What does your biological clock have to do with buying a house?
I have no urge to even try to stop you from buying now. Its your money, do what you want to do. But I would like to understand the motivation that you cite as the reason to buy now. It is not unique, even if I dont understand it. You seem to hint that you think buying a house now is better for your family. How? You dont say you are pregnant, so the baby needs a room thing can be put off atleast 6-9 months, which would put you in a much better time to buy. You dont have kids, so schools are irrelivant for the next 5-6 years. You have a stable job with high incomes, so renting some place really nice isnt a problem.
I guess what I come down to is that I see very little forcing you to buy in the next 6 months Minimum. (may be wrong). Wouldnt you rather put that 30-50k away into your kids college education? Just trying to understand.