NO
On $50,000/yr, the typical $468,302 home in Modesto, CA needs $138,066/yr ($3,222/mo). Your gap: $-88,066 — housing would be 77.3% of your gross income.
The math
468,302 price − 10% down (46,830) = 421,472 loan
30-yr fixed at 6.47% on 421,472 = 2,656/mo principal+interest
+ 566/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,222/mo PITI ÷ 0.28 = 11,506/mo → 138,066/yr required
against Zillow ZHVI 2026-05 and the 6.47% FRED 30-yr rate (2026-06-18).
What salary WOULD clear Modesto, CA?
You need about $138,066/yr for the typical home. That's $88,066 more than $50,000.