NO
On $75,000/yr, the typical $295,821 home in Lakeland, FL needs $90,849/yr ($2,120/mo). Your gap: $-15,849 — housing would be 33.9% of your gross income.
The math
295,821 price − 10% down (29,582) = 266,239 loan
30-yr fixed at 6.95% on 266,239 = 1,762/mo principal+interest
+ 357/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,120/mo PITI ÷ 0.28 = 7,571/mo → 90,849/yr required
against Zillow ZHVI 2026-08 and the 6.95% FRED 30-yr rate (2026-09-17).
What salary WOULD clear Lakeland, FL?
You need about $90,849/yr for the typical home. That's $15,849 more than $75,000.