NO
On $75,000/yr, the typical $447,054 home in Phoenix, AZ needs $134,305/yr ($3,134/mo). Your gap: $-59,305 — housing would be 50.1% of your gross income.
The math
447,054 price − 10% down (44,705) = 402,349 loan
30-yr fixed at 6.69% on 402,349 = 2,594/mo principal+interest
+ 540/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,134/mo PITI ÷ 0.28 = 11,192/mo → 134,305/yr required
against Zillow ZHVI 2026-06 and the 6.69% FRED 30-yr rate (2026-08-06).
What salary WOULD clear Phoenix, AZ?
You need about $134,305/yr for the typical home. That's $59,305 more than $75,000.