NO
On $25,000/yr, the typical $397,705 home in Richmond, VA needs $117,252/yr ($2,736/mo). Your gap: $-92,252 — housing would be 131.3% of your gross income.
The math
397,705 price − 10% down (39,771) = 357,934 loan
30-yr fixed at 6.47% on 357,934 = 2,255/mo principal+interest
+ 481/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,736/mo PITI ÷ 0.28 = 9,771/mo → 117,252/yr required
against Zillow ZHVI 2026-05 and the 6.47% FRED 30-yr rate (2026-06-18).
What salary WOULD clear Richmond, VA?
You need about $117,252/yr for the typical home. That's $92,252 more than $25,000.