NO
On $200,000/yr, the typical $871,731 home in Oxnard, CA needs $267,716/yr ($6,247/mo). Your gap: $-67,716 — housing would be 37.5% of your gross income.
The math
871,731 price − 10% down (87,173) = 784,558 loan
30-yr fixed at 6.95% on 784,558 = 5,193/mo principal+interest
+ 1,053/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
6,247/mo PITI ÷ 0.28 = 22,310/mo → 267,716/yr required
against Zillow ZHVI 2026-08 and the 6.95% FRED 30-yr rate (2026-09-17).
What salary WOULD clear Oxnard, CA?
You need about $267,716/yr for the typical home. That's $67,716 more than $200,000.