Construction financing in a few years

What’s it to you? And what does that have to do with anything?

Apples are often compared to pears. 10k dollars vs. 5,400€ but then paying 4K for rent.

Assuming we end up with 5,700 net like a few years ago - is building a house with 100,000 EUR capital in 2022 utopian?

We (2 parents, 2 children) have been living in the USA for several years, with a short interruption. Our eldest will soon start school, and we are thinking about whether we see our future here or "back home" in Germany. We would rather not transfer him later in the middle of his schooling to a completely different system, so we think we should plan long-term now. Many factors play a role in this, but also whether it will be feasible to finance a house. So we are considering different scenarios: whether we move now, in 4 years (after elementary school), or perhaps never plan to return.
Here I earn quite well, which in Germany would probably still be decent but noticeably less. We were temporarily back in Germany for a year in the meantime, and during that time I had a net income of 5,700 EUR. That was 4 years ago, but on the other hand here there is currently a US salary of well over $10,000.
However, our costs in the USA are also high; for example, we are currently paying $4,000 cold rent monthly for our house.

We have been away for a long time and therefore would not want to buy immediately even if we decide now to move back to Germany. Nevertheless: we are both 35 years old and do not want to take too much time anymore. Maybe in 2-3 years after the move it could be considered.

The question is whether it will at least be potentially feasible. We currently have just under $70,000 in US pension which I would cash out in case of a move. In addition, there is property such as cars, but we are ignoring that. Currently, another $40,000 per year would come in as long as we stay in the USA.

That means our starting position will probably be (assuming we save 1,500 EUR monthly in Germany):

[*]Move now: $70,000 + 2 years in Germany = house construction at 37 and about 100,000 EUR
[*]Move in 4 years: $230,000 + 2 years in Germany = house construction at 41 and about 245,000 EUR
[*]Never move: no house construction in Germany

Assuming we arrive at 5,700 net as a few years ago – is building a house with 100,000 EUR capital in 2022 unrealistic? Of course, no one knows how interest rates and the economy will develop, but we still want to make as informed a decision as possible.

Thanks in advance for your opinion!

Due to what I see as social upheavals in Germany, which will surely continue to increase in the future, it would be worth considering whether Switzerland would be an option for you as a place to live. Salaries are higher, it is German-speaking and close enough to Germany for regular visits if you have relatives and friends in Germany.

Due to the social upheavals in Germany, which from my perspective will certainly continue to increase in the future, it would be worth considering whether Switzerland could also be an option as a place of residence for you. Salaries are higher, it is German-speaking and close enough to Germany for regular visits if you have relatives and friends in Germany.