YES
On $3,975,000/yr, the typical $520,531 home in Ogden, UT needs $153,728/yr ($3,587/mo). Your gap: +$3,821,272 — housing would be 1.1% of your gross income.
The math
520,531 price − 10% down (52,053) = 468,478 loan
30-yr fixed at 6.49% on 468,478 = 2,958/mo principal+interest
+ 629/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,587/mo PITI ÷ 0.28 = 12,811/mo → 153,728/yr required
against Zillow ZHVI 2026-05 and the 6.49% FRED 30-yr rate (2026-06-25).
What salary WOULD clear Ogden, UT?
You need about $153,728/yr for the typical home. On $3,975,000 you already clear it by $3,821,272.