NO
On $75,000/yr, the typical $531,785 home in Stockton, CA needs $156,782/yr ($3,658/mo). Your gap: $-81,782 — housing would be 58.5% of your gross income.
The math
531,785 price − 10% down (53,179) = 478,606 loan
30-yr fixed at 6.47% on 478,606 = 3,016/mo principal+interest
+ 643/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,658/mo PITI ÷ 0.28 = 13,065/mo → 156,782/yr required
against Zillow ZHVI 2026-05 and the 6.47% FRED 30-yr rate (2026-06-18).
What salary WOULD clear Stockton, CA?
You need about $156,782/yr for the typical home. That's $81,782 more than $75,000.