NO
On $75,000/yr, the typical $463,691 home in Modesto, CA needs $142,403/yr ($3,323/mo). Your gap: $-67,403 — housing would be 53.2% of your gross income.
The math
463,691 price − 10% down (46,369) = 417,322 loan
30-yr fixed at 6.95% on 417,322 = 2,762/mo principal+interest
+ 560/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,323/mo PITI ÷ 0.28 = 11,867/mo → 142,403/yr required
against Zillow ZHVI 2026-08 and the 6.95% FRED 30-yr rate (2026-09-17).
What salary WOULD clear Modesto, CA?
You need about $142,403/yr for the typical home. That's $67,403 more than $75,000.