Am I on my own?!?

I am done waiting. Ladies please help. My husband and I have been married for almost 2 years now, we have been together for 5 years. We are currently renting and are looking to buy a house in the upcoming year. We both work full time and my husband is about to graduate this May (we paid out of pocket for all his college so we have no debt) I am 24 and he is 28. I'm ready. We both want a family but every time I mention a baby he doesn't feel ready. I am only getting older and we decided after we got married to no longer use protection. I'm not on birth control and he doesn't pull out so every month he is giving me the chance of becoming pregnant but it hasn't happened yet and its so upsetting. When I mention maybe buying pressed to make our chances better he answers with "we aren't trying for a baby right now". I'm watching all my friends get pregnant although none of our close friends are pregnant yet but some are actually trying unlike us. I almost fgoeel like trying on my own and using OPKs but it feels so dishonest. I know he would be happy if it ended up happening but ideally i wanted us to try together. Or should I just be patient and wait until we have a house and bring it up again?