NO
On $50,000/yr, the typical $276,878 home in St. Louis, MO needs $81,630/yr ($1,905/mo). Your gap: $-31,630 — housing would be 45.7% of your gross income.
The math
276,878 price − 10% down (27,688) = 249,190 loan
30-yr fixed at 6.47% on 249,190 = 1,570/mo principal+interest
+ 335/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
1,905/mo PITI ÷ 0.28 = 6,802/mo → 81,630/yr required
against Zillow ZHVI 2026-05 and the 6.47% FRED 30-yr rate (2026-06-18).
What salary WOULD clear St. Louis, MO?
You need about $81,630/yr for the typical home. That's $31,630 more than $50,000.