NO
On $75,000/yr, the typical $370,533 home in Albany, NY needs $109,242/yr ($2,549/mo). Your gap: $-34,242 — housing would be 40.8% of your gross income.
The math
370,533 price − 10% down (37,053) = 333,480 loan
30-yr fixed at 6.47% on 333,480 = 2,101/mo principal+interest
+ 448/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,549/mo PITI ÷ 0.28 = 9,103/mo → 109,242/yr required
against Zillow ZHVI 2026-05 and the 6.47% FRED 30-yr rate (2026-06-18).
What salary WOULD clear Albany, NY?
You need about $109,242/yr for the typical home. That's $34,242 more than $75,000.