NO
On $75,000/yr, the typical $414,340 home in Durham, NC needs $122,157/yr ($2,850/mo). Your gap: $-47,157 — housing would be 45.6% of your gross income.
The math
414,340 price − 10% down (41,434) = 372,906 loan
30-yr fixed at 6.47% on 372,906 = 2,350/mo principal+interest
+ 501/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,850/mo PITI ÷ 0.28 = 10,180/mo → 122,157/yr required
against Zillow ZHVI 2026-05 and the 6.47% FRED 30-yr rate (2026-06-18).
What salary WOULD clear Durham, NC?
You need about $122,157/yr for the typical home. That's $47,157 more than $75,000.