I personally really like Ally as a HYSA. Really easy to open multiple accounts, and also you can split buckets in the same account to earmark for different things.

401k's are mathematically superior net worth vehicles to houses.

However... You can't live in a 401k...

With that said, contributing say 5% (which will lower your take home income by around 5%) is unlikely to materially change your your house savings in a year. At that salary we are talking around $250/mo less (3k/yr less) to save toward the house, which isn't gonna love the needle really on your home purchase decision.

But if you take that pretax $4200 and put it in a 30 yr index fund and are able to return 7% post inflation, it'll become $34k at age 59...