A STRETCH
On $75,000/yr, the typical $288,316 home in Buffalo, NY needs $85,002/yr ($1,983/mo). Your gap: $-10,002 — housing would be 31.7% of your gross income.
The math
288,316 price − 10% down (28,832) = 259,484 loan
30-yr fixed at 6.47% on 259,484 = 1,635/mo principal+interest
+ 348/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
1,983/mo PITI ÷ 0.28 = 7,084/mo → 85,002/yr required
against Zillow ZHVI 2026-05 and the 6.47% FRED 30-yr rate (2026-06-18).
What salary WOULD clear Buffalo, NY?
You need about $85,002/yr for the typical home. That's $10,002 more than $75,000.