NO
On $75,000/yr, the typical $531,811 home in Stockton, CA needs $159,768/yr ($3,728/mo). Your gap: $-84,768 — housing would be 59.6% of your gross income.
The math
531,811 price − 10% down (53,181) = 478,630 loan
30-yr fixed at 6.69% on 478,630 = 3,085/mo principal+interest
+ 643/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,728/mo PITI ÷ 0.28 = 13,314/mo → 159,768/yr required
against Zillow ZHVI 2026-06 and the 6.69% FRED 30-yr rate (2026-08-06).
What salary WOULD clear Stockton, CA?
You need about $159,768/yr for the typical home. That's $84,768 more than $75,000.