NO
On $50,000/yr, the typical $360,865 home in Visalia, CA needs $112,980/yr ($2,636/mo). Your gap: $-62,980 — housing would be 63.3% of your gross income.
The math
360,865 price − 10% down (36,087) = 324,778 loan
30-yr fixed at 7.18% on 324,778 = 2,200/mo principal+interest
+ 436/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,636/mo PITI ÷ 0.28 = 9,415/mo → 112,980/yr required
against Zillow ZHVI 2026-09 and the 7.18% FRED 30-yr rate (2026-11-05).
What salary WOULD clear Visalia, CA?
You need about $112,980/yr for the typical home. That's $62,980 more than $50,000.