NO
On $50,000/yr, the typical $469,758 home in Modesto, CA needs $141,126/yr ($3,293/mo). Your gap: $-91,126 — housing would be 79% of your gross income.
The math
469,758 price − 10% down (46,976) = 422,782 loan
30-yr fixed at 6.69% on 422,782 = 2,725/mo principal+interest
+ 568/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,293/mo PITI ÷ 0.28 = 11,760/mo → 141,126/yr required
against Zillow ZHVI 2026-06 and the 6.69% FRED 30-yr rate (2026-08-06).
What salary WOULD clear Modesto, CA?
You need about $141,126/yr for the typical home. That's $91,126 more than $50,000.