NO
On $25,000/yr, the typical $194,546 home in McAllen, TX needs $58,446/yr ($1,364/mo). Your gap: $-33,446 — housing would be 65.5% of your gross income.
The math
194,546 price − 10% down (19,455) = 175,091 loan
30-yr fixed at 6.69% on 175,091 = 1,129/mo principal+interest
+ 235/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
1,364/mo PITI ÷ 0.28 = 4,870/mo → 58,446/yr required
against Zillow ZHVI 2026-06 and the 6.69% FRED 30-yr rate (2026-08-06).
What salary WOULD clear McAllen, TX?
You need about $58,446/yr for the typical home. That's $33,446 more than $25,000.