NO
On $75,000/yr, the typical $405,282 home in Durham, NC needs $124,466/yr ($2,904/mo). Your gap: $-49,466 — housing would be 46.5% of your gross income.
The math
405,282 price − 10% down (40,528) = 364,754 loan
30-yr fixed at 6.95% on 364,754 = 2,414/mo principal+interest
+ 490/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,904/mo PITI ÷ 0.28 = 10,372/mo → 124,466/yr required
against Zillow ZHVI 2026-08 and the 6.95% FRED 30-yr rate (2026-09-17).
What salary WOULD clear Durham, NC?
You need about $124,466/yr for the typical home. That's $49,466 more than $75,000.