NO
On $75,000/yr, the typical $549,963 home in Portland, ME needs $165,222/yr ($3,855/mo). Your gap: $-90,222 — housing would be 61.7% of your gross income.
The math
549,963 price − 10% down (54,996) = 494,967 loan
30-yr fixed at 6.69% on 494,967 = 3,191/mo principal+interest
+ 665/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,855/mo PITI ÷ 0.28 = 13,768/mo → 165,222/yr required
against Zillow ZHVI 2026-06 and the 6.69% FRED 30-yr rate (2026-08-06).
What salary WOULD clear Portland, ME?
You need about $165,222/yr for the typical home. That's $90,222 more than $75,000.