NO
On $25,000/yr, the typical $310,111 home in Pensacola, FL needs $95,238/yr ($2,222/mo). Your gap: $-70,238 — housing would be 106.7% of your gross income.
The math
310,111 price − 10% down (31,011) = 279,100 loan
30-yr fixed at 6.95% on 279,100 = 1,847/mo principal+interest
+ 375/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,222/mo PITI ÷ 0.28 = 7,936/mo → 95,238/yr required
against Zillow ZHVI 2026-08 and the 6.95% FRED 30-yr rate (2026-09-17).
What salary WOULD clear Pensacola, FL?
You need about $95,238/yr for the typical home. That's $70,238 more than $25,000.