A STRETCH
On $75,000/yr, the typical $254,362 home in Augusta, GA needs $76,416/yr ($1,783/mo). Your gap: $-1,416 — housing would be 28.5% of your gross income.
The math
254,362 price − 10% down (25,436) = 228,926 loan
30-yr fixed at 6.69% on 228,926 = 1,476/mo principal+interest
+ 307/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
1,783/mo PITI ÷ 0.28 = 6,368/mo → 76,416/yr required
against Zillow ZHVI 2026-06 and the 6.69% FRED 30-yr rate (2026-08-06).
What salary WOULD clear Augusta, GA?
You need about $76,416/yr for the typical home. That's $1,416 more than $75,000.