With tax credit the cheapest Tesla is $30k. With default interest and loan terms, the Tesla would cost about $4500 / year.

Median annual household income in the US is $71k, so the cheapest Tesla would be ~6.3% of median household income.

Personal finance experts say car loan payments should be no more than 10% of take home pay. (https://www.nerdwallet.com/article/loans/auto-loans/much-spe...)

You not being able to afford a Tesla and the cheapest Tesla being generally affordable can both be true.