A STRETCH
On $50,000/yr, the typical $180,319 home in Youngstown, OH needs $54,172/yr ($1,264/mo). Your gap: $-4,172 — housing would be 30.3% of your gross income.
The math
180,319 price − 10% down (18,032) = 162,287 loan
30-yr fixed at 6.69% on 162,287 = 1,046/mo principal+interest
+ 218/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
1,264/mo PITI ÷ 0.28 = 4,514/mo → 54,172/yr required
against Zillow ZHVI 2026-06 and the 6.69% FRED 30-yr rate (2026-08-06).
What salary WOULD clear Youngstown, OH?
You need about $54,172/yr for the typical home. That's $4,172 more than $50,000.