NO
On $25,000/yr, the typical $399,562 home in Richmond, VA needs $120,038/yr ($2,801/mo). Your gap: $-95,038 — housing would be 134.4% of your gross income.
The math
399,562 price − 10% down (39,956) = 359,606 loan
30-yr fixed at 6.69% on 359,606 = 2,318/mo principal+interest
+ 483/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,801/mo PITI ÷ 0.28 = 10,003/mo → 120,038/yr required
against Zillow ZHVI 2026-06 and the 6.69% FRED 30-yr rate (2026-08-06).
What salary WOULD clear Richmond, VA?
You need about $120,038/yr for the typical home. That's $95,038 more than $25,000.