A STRETCH
On $150,000/yr, the typical $559,705 home in Denver, CO needs $171,890/yr ($4,011/mo). Your gap: $-21,890 — housing would be 32.1% of your gross income.
The math
559,705 price − 10% down (55,971) = 503,734 loan
30-yr fixed at 6.95% on 503,734 = 3,334/mo principal+interest
+ 676/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
4,011/mo PITI ÷ 0.28 = 14,324/mo → 171,890/yr required
against Zillow ZHVI 2026-08 and the 6.95% FRED 30-yr rate (2026-09-17).
What salary WOULD clear Denver, CO?
You need about $171,890/yr for the typical home. That's $21,890 more than $150,000.