NO
On $75,000/yr, the typical $476,598 home in Miami, FL needs $143,181/yr ($3,341/mo). Your gap: $-68,181 — housing would be 53.5% of your gross income.
The math
476,598 price − 10% down (47,660) = 428,938 loan
30-yr fixed at 6.69% on 428,938 = 2,765/mo principal+interest
+ 576/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,341/mo PITI ÷ 0.28 = 11,932/mo → 143,181/yr required
against Zillow ZHVI 2026-06 and the 6.69% FRED 30-yr rate (2026-08-06).
What salary WOULD clear Miami, FL?
You need about $143,181/yr for the typical home. That's $68,181 more than $75,000.