NO
On $75,000/yr, the typical $428,267 home in Raleigh, NC needs $134,083/yr ($3,129/mo). Your gap: $-59,083 — housing would be 50.1% of your gross income.
The math
428,267 price − 10% down (42,827) = 385,440 loan
30-yr fixed at 7.18% on 385,440 = 2,611/mo principal+interest
+ 517/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,129/mo PITI ÷ 0.28 = 11,174/mo → 134,083/yr required
against Zillow ZHVI 2026-09 and the 7.18% FRED 30-yr rate (2026-11-05).
What salary WOULD clear Raleigh, NC?
You need about $134,083/yr for the typical home. That's $59,083 more than $75,000.