A STRETCH
On $100,000/yr, the typical $358,706 home in Tampa, FL needs $110,162/yr ($2,570/mo). Your gap: $-10,162 — housing would be 30.8% of your gross income.
The math
358,706 price − 10% down (35,871) = 322,835 loan
30-yr fixed at 6.95% on 322,835 = 2,137/mo principal+interest
+ 433/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,570/mo PITI ÷ 0.28 = 9,180/mo → 110,162/yr required
against Zillow ZHVI 2026-08 and the 6.95% FRED 30-yr rate (2026-09-17).
What salary WOULD clear Tampa, FL?
You need about $110,162/yr for the typical home. That's $10,162 more than $100,000.