A STRETCH
On $150,000/yr, the typical $548,061 home in Provo, UT needs $164,650/yr ($3,842/mo). Your gap: $-14,650 — housing would be 30.7% of your gross income.
The math
548,061 price − 10% down (54,806) = 493,255 loan
30-yr fixed at 6.69% on 493,255 = 3,180/mo principal+interest
+ 662/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,842/mo PITI ÷ 0.28 = 13,721/mo → 164,650/yr required
against Zillow ZHVI 2026-06 and the 6.69% FRED 30-yr rate (2026-08-06).
What salary WOULD clear Provo, UT?
You need about $164,650/yr for the typical home. That's $14,650 more than $150,000.