A STRETCH
On $100,000/yr, the typical $358,242 home in Dallas, TX needs $112,159/yr ($2,617/mo). Your gap: $-12,159 — housing would be 31.4% of your gross income.
The math
358,242 price − 10% down (35,824) = 322,418 loan
30-yr fixed at 7.18% on 322,418 = 2,184/mo principal+interest
+ 433/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,617/mo PITI ÷ 0.28 = 9,347/mo → 112,159/yr required
against Zillow ZHVI 2026-09 and the 7.18% FRED 30-yr rate (2026-11-05).
What salary WOULD clear Dallas, TX?
You need about $112,159/yr for the typical home. That's $12,159 more than $100,000.