A STRETCH
On $75,000/yr, the typical $268,949 home in Syracuse, NY needs $84,203/yr ($1,965/mo). Your gap: $-9,203 — housing would be 31.4% of your gross income.
The math
268,949 price − 10% down (26,895) = 242,054 loan
30-yr fixed at 7.18% on 242,054 = 1,640/mo principal+interest
+ 325/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
1,965/mo PITI ÷ 0.28 = 7,017/mo → 84,203/yr required
against Zillow ZHVI 2026-09 and the 7.18% FRED 30-yr rate (2026-11-05).
What salary WOULD clear Syracuse, NY?
You need about $84,203/yr for the typical home. That's $9,203 more than $75,000.