You cant really afford anything in the suburbs or the city that will meet all your needs unless you move to the exurbs like the perimeter of the metro area or Northeast Philly and then a garage is unlikely. More likely you'll have a parking lot and will be living in an economically depressed area or an apt building. 100K combined is really nothing here in the metro area. The Median household income in the collar counties of Philly is $75K+, with Chester County being 100k+. Include gas, tolls, CoL adjustment from Ohio you'll probably be scraping by honestly.