NO
On $75,000/yr, the typical $539,862 home in Portland, ME needs $165,796/yr ($3,869/mo). Your gap: $-90,796 — housing would be 61.9% of your gross income.
The math
539,862 price − 10% down (53,986) = 485,876 loan
30-yr fixed at 6.95% on 485,876 = 3,216/mo principal+interest
+ 652/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,869/mo PITI ÷ 0.28 = 13,816/mo → 165,796/yr required
against Zillow ZHVI 2026-08 and the 6.95% FRED 30-yr rate (2026-09-17).
What salary WOULD clear Portland, ME?
You need about $165,796/yr for the typical home. That's $90,796 more than $75,000.