NO
On $125,000/yr, the typical $546,641 home in Provo, UT needs $161,162/yr ($3,760/mo). Your gap: $-36,162 — housing would be 36.1% of your gross income.
The math
546,641 price − 10% down (54,664) = 491,977 loan
30-yr fixed at 6.47% on 491,977 = 3,100/mo principal+interest
+ 661/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,760/mo PITI ÷ 0.28 = 13,430/mo → 161,162/yr required
against Zillow ZHVI 2026-05 and the 6.47% FRED 30-yr rate (2026-06-18).
What salary WOULD clear Provo, UT?
You need about $161,162/yr for the typical home. That's $36,162 more than $125,000.