I'm ready but is he?

My husband and I have almost been married a full year but have been together for five. I keep thinking I'm ready for a baby and he's not 100 percent sold on the idea. He wants kids but he always jokes about saying we are going to start trying in a few years! I keep explaining to him that what if it takes us a couple years to get pregnant. Then he says stuff like " you can't really ever be ready for a baby" which makes me think what's the difference if it happened now or later.  I'm 23 so I have plenty of time I know but I want to start somewhat young. We are financially stable we both have great jobs the only thing is that we don't own a house yet and we are still looking. I've started to take matters into my own hands and try to have sex on my ovulation days but then I feel so guilty like I'm trying to have a baby by myself. I've bought pre seed lubricant and fertility tests and I'm on prenatal vitamins. I haven't used them yet. Here is why I think he kinda feels the same way I do. He won't pull out after we " baby dance" He knows I'm not on birth control and that I'm likely to get pregnant but he still does it. I would think if he wasn't ready and didn't want a baby he would try to get me on birth control or at least try to prevent pregnancy. I'm so confused and I have been somewhat trying for 5 months now. I just think it would be so much easier if he wanted to make a baby with me. I almost feel like giving up and it's not helping that my mom and mother in law always joke about when they are getting grandbabies.