YES
On $3,175,000/yr, the typical $475,622 home in Miami, FL needs $140,465/yr ($3,278/mo). Your gap: +$3,034,535 — housing would be 1.2% of your gross income.
The math
475,622 price − 10% down (47,562) = 428,060 loan
30-yr fixed at 6.49% on 428,060 = 2,703/mo principal+interest
+ 575/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,278/mo PITI ÷ 0.28 = 11,705/mo → 140,465/yr required
against Zillow ZHVI 2026-05 and the 6.49% FRED 30-yr rate (2026-06-25).
What salary WOULD clear Miami, FL?
You need about $140,465/yr for the typical home. On $3,175,000 you already clear it by $3,034,535.