NO
On $50,000/yr, the typical $193,007 home in McAllen, TX needs $59,274/yr ($1,383/mo). Your gap: $-9,274 — housing would be 33.2% of your gross income.
The math
193,007 price − 10% down (19,301) = 173,706 loan
30-yr fixed at 6.95% on 173,706 = 1,150/mo principal+interest
+ 233/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
1,383/mo PITI ÷ 0.28 = 4,940/mo → 59,274/yr required
against Zillow ZHVI 2026-08 and the 6.95% FRED 30-yr rate (2026-09-17).
What salary WOULD clear McAllen, TX?
You need about $59,274/yr for the typical home. That's $9,274 more than $50,000.