olsword/Getty Images The real estate market has been volatile over the past few years. We’ve experienced high buyer demand, persistently low inventory and mortgage rates rising steeply after a period of record lows. In many cases, elevated home prices mean housing is less affordable today than before the pandemic, and increased inflation has made purchasing a home even more challenging. Rents are rising as well, with the average monthly cost of a one-bedroom apartment increasing by more than 7 percent year-over-year in January, according to data from Zumper. If you’re hoping to buy a home in 2023, how much can you afford to spend? It depends on a lot of…