NO
On $100,000/yr, the typical $475,830 home in Miami, FL needs $146,131/yr ($3,410/mo). Your gap: $-46,131 — housing would be 40.9% of your gross income.
The math
475,830 price − 10% down (47,583) = 428,247 loan
30-yr fixed at 6.95% on 428,247 = 2,835/mo principal+interest
+ 575/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,410/mo PITI ÷ 0.28 = 12,178/mo → 146,131/yr required
against Zillow ZHVI 2026-08 and the 6.95% FRED 30-yr rate (2026-09-17).
What salary WOULD clear Miami, FL?
You need about $146,131/yr for the typical home. That's $46,131 more than $100,000.