Low income adoption?

My husband and I live in California, and we are very anxious to adopt, but with the money my husband makes, we are technically considered low-income. We do not use any kind of state benefits, we pay our bills on time, and have enough money left over to take care of a child without issues. Do you think we would qualify to be adoptive parents because of this? I am trying to get started on this quickly. I will be 21 in May, which means that I am finally old enough to adopt, and my husband is 35, so according to what I have seen for age of adoptive parents, we only have about 5 years to do this. Any ideas on agencies that would look at our situation and go off of that? Or do we even have a chance?