A STRETCH
On $100,000/yr, the typical $356,843 home in Tampa, FL needs $111,721/yr ($2,607/mo). Your gap: $-11,721 — housing would be 31.3% of your gross income.
The math
356,843 price − 10% down (35,684) = 321,159 loan
30-yr fixed at 7.18% on 321,159 = 2,176/mo principal+interest
+ 431/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,607/mo PITI ÷ 0.28 = 9,310/mo → 111,721/yr required
against Zillow ZHVI 2026-09 and the 7.18% FRED 30-yr rate (2026-11-05).
What salary WOULD clear Tampa, FL?
You need about $111,721/yr for the typical home. That's $11,721 more than $100,000.