NO
On $25,000/yr, the typical $392,106 home in Richmond, VA needs $122,761/yr ($2,864/mo). Your gap: $-97,761 — housing would be 137.5% of your gross income.
The math
392,106 price − 10% down (39,211) = 352,895 loan
30-yr fixed at 7.18% on 352,895 = 2,391/mo principal+interest
+ 474/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,864/mo PITI ÷ 0.28 = 10,230/mo → 122,761/yr required
against Zillow ZHVI 2026-09 and the 7.18% FRED 30-yr rate (2026-11-05).
What salary WOULD clear Richmond, VA?
You need about $122,761/yr for the typical home. That's $97,761 more than $25,000.