A STRETCH
On $75,000/yr, the typical $253,678 home in Cleveland, OH needs $77,907/yr ($1,818/mo). Your gap: $-2,907 — housing would be 29.1% of your gross income.
The math
253,678 price − 10% down (25,368) = 228,310 loan
30-yr fixed at 6.95% on 228,310 = 1,511/mo principal+interest
+ 307/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
1,818/mo PITI ÷ 0.28 = 6,492/mo → 77,907/yr required
against Zillow ZHVI 2026-08 and the 6.95% FRED 30-yr rate (2026-09-17).
What salary WOULD clear Cleveland, OH?
You need about $77,907/yr for the typical home. That's $2,907 more than $75,000.