NO
On $75,000/yr, the typical $305,001 home in Houston, TX needs $93,668/yr ($2,186/mo). Your gap: $-18,668 — housing would be 35% of your gross income.
The math
305,001 price − 10% down (30,500) = 274,501 loan
30-yr fixed at 6.95% on 274,501 = 1,817/mo principal+interest
+ 369/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,186/mo PITI ÷ 0.28 = 7,806/mo → 93,668/yr required
against Zillow ZHVI 2026-08 and the 6.95% FRED 30-yr rate (2026-09-17).
What salary WOULD clear Houston, TX?
You need about $93,668/yr for the typical home. That's $18,668 more than $75,000.