NO
On $50,000/yr, the typical $415,643 home in Durham, NC needs $124,869/yr ($2,914/mo). Your gap: $-74,869 — housing would be 69.9% of your gross income.
The math
415,643 price − 10% down (41,564) = 374,079 loan
30-yr fixed at 6.69% on 374,079 = 2,411/mo principal+interest
+ 502/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,914/mo PITI ÷ 0.28 = 10,406/mo → 124,869/yr required
against Zillow ZHVI 2026-06 and the 6.69% FRED 30-yr rate (2026-08-06).
What salary WOULD clear Durham, NC?
You need about $124,869/yr for the typical home. That's $74,869 more than $50,000.