NO
On $125,000/yr, the typical $519,707 home in Ogden, UT needs $156,132/yr ($3,643/mo). Your gap: $-31,132 — housing would be 35% of your gross income.
The math
519,707 price − 10% down (51,971) = 467,736 loan
30-yr fixed at 6.69% on 467,736 = 3,015/mo principal+interest
+ 628/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,643/mo PITI ÷ 0.28 = 13,011/mo → 156,132/yr required
against Zillow ZHVI 2026-06 and the 6.69% FRED 30-yr rate (2026-08-06).
What salary WOULD clear Ogden, UT?
You need about $156,132/yr for the typical home. That's $31,132 more than $125,000.