NO
On $75,000/yr, the typical $511,736 home in Ogden, UT needs $157,158/yr ($3,667/mo). Your gap: $-82,158 — housing would be 58.7% of your gross income.
The math
511,736 price − 10% down (51,174) = 460,562 loan
30-yr fixed at 6.95% on 460,562 = 3,049/mo principal+interest
+ 618/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,667/mo PITI ÷ 0.28 = 13,097/mo → 157,158/yr required
against Zillow ZHVI 2026-08 and the 6.95% FRED 30-yr rate (2026-09-17).
What salary WOULD clear Ogden, UT?
You need about $157,158/yr for the typical home. That's $82,158 more than $75,000.