Hi E.,
I don't know if you can afford something in North Tacoma but that is the place to buy or rent a home. You might also want to look at University Place and Fircrest, those are great neighborhoods. Stay away from South and East Tacoma, scarry! I live in NE Tacoma (Brown's Point) which is closer to Federal Way; it's a safe neighborhood but on the decline. We do have awesome elementary schools here though, Cresent Heights and Brown's Point. I take my kids to Ruston Way (North Tacoma's waterfront) often in the Spring/Summer to ride bikes and play. I am also 24, my son is 4 and my daughter just turned 3 so if you would like to meet up once you're settled, let me know!
C.