NO
On $75,000/yr, the typical $308,972 home in Pensacola, FL needs $96,734/yr ($2,257/mo). Your gap: $-21,734 — housing would be 36.1% of your gross income.
The math
308,972 price − 10% down (30,897) = 278,075 loan
30-yr fixed at 7.18% on 278,075 = 1,884/mo principal+interest
+ 373/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,257/mo PITI ÷ 0.28 = 8,061/mo → 96,734/yr required
against Zillow ZHVI 2026-09 and the 7.18% FRED 30-yr rate (2026-11-05).
What salary WOULD clear Pensacola, FL?
You need about $96,734/yr for the typical home. That's $21,734 more than $75,000.