A STRETCH
On $100,000/yr, the typical $326,418 home in Lexington, KY needs $100,246/yr ($2,339/mo). Your gap: $-246 — housing would be 28.1% of your gross income.
The math
326,418 price − 10% down (32,642) = 293,776 loan
30-yr fixed at 6.95% on 293,776 = 1,945/mo principal+interest
+ 394/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,339/mo PITI ÷ 0.28 = 8,354/mo → 100,246/yr required
against Zillow ZHVI 2026-08 and the 6.95% FRED 30-yr rate (2026-09-17).
What salary WOULD clear Lexington, KY?
You need about $100,246/yr for the typical home. That's $246 more than $100,000.