NO
On $100,000/yr, the typical $539,276 home in Provo, UT needs $165,616/yr ($3,864/mo). Your gap: $-65,616 — housing would be 46.4% of your gross income.
The math
539,276 price − 10% down (53,928) = 485,348 loan
30-yr fixed at 6.95% on 485,348 = 3,213/mo principal+interest
+ 652/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,864/mo PITI ÷ 0.28 = 13,801/mo → 165,616/yr required
against Zillow ZHVI 2026-08 and the 6.95% FRED 30-yr rate (2026-09-17).
What salary WOULD clear Provo, UT?
You need about $165,616/yr for the typical home. That's $65,616 more than $100,000.