NO
On $75,000/yr, the typical $454,523 home in Madison, WI needs $136,549/yr ($3,186/mo). Your gap: $-61,549 — housing would be 51% of your gross income.
The math
454,523 price − 10% down (45,452) = 409,071 loan
30-yr fixed at 6.69% on 409,071 = 2,637/mo principal+interest
+ 549/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,186/mo PITI ÷ 0.28 = 11,379/mo → 136,549/yr required
against Zillow ZHVI 2026-06 and the 6.69% FRED 30-yr rate (2026-08-06).
What salary WOULD clear Madison, WI?
You need about $136,549/yr for the typical home. That's $61,549 more than $75,000.