NO
On $75,000/yr, the typical $448,708 home in Madison, WI needs $137,802/yr ($3,215/mo). Your gap: $-62,802 — housing would be 51.4% of your gross income.
The math
448,708 price − 10% down (44,871) = 403,837 loan
30-yr fixed at 6.95% on 403,837 = 2,673/mo principal+interest
+ 542/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,215/mo PITI ÷ 0.28 = 11,483/mo → 137,802/yr required
against Zillow ZHVI 2026-08 and the 6.95% FRED 30-yr rate (2026-09-17).
What salary WOULD clear Madison, WI?
You need about $137,802/yr for the typical home. That's $62,802 more than $75,000.