A STRETCH
On $150,000/yr, the typical $538,775 home in Provo, UT needs $168,681/yr ($3,936/mo). Your gap: $-18,681 — housing would be 31.5% of your gross income.
The math
538,775 price − 10% down (53,878) = 484,897 loan
30-yr fixed at 7.18% on 484,897 = 3,285/mo principal+interest
+ 651/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,936/mo PITI ÷ 0.28 = 14,057/mo → 168,681/yr required
against Zillow ZHVI 2026-09 and the 7.18% FRED 30-yr rate (2026-11-05).
What salary WOULD clear Provo, UT?
You need about $168,681/yr for the typical home. That's $18,681 more than $150,000.