NO
On $75,000/yr, the typical $362,368 home in Visalia, CA needs $111,286/yr ($2,597/mo). Your gap: $-36,286 — housing would be 41.5% of your gross income.
The math
362,368 price − 10% down (36,237) = 326,131 loan
30-yr fixed at 6.95% on 326,131 = 2,159/mo principal+interest
+ 438/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,597/mo PITI ÷ 0.28 = 9,274/mo → 111,286/yr required
against Zillow ZHVI 2026-08 and the 6.95% FRED 30-yr rate (2026-09-17).
What salary WOULD clear Visalia, CA?
You need about $111,286/yr for the typical home. That's $36,286 more than $75,000.