A STRETCH
On $50,000/yr, the typical $177,110 home in Youngstown, OH needs $54,392/yr ($1,269/mo). Your gap: $-4,392 — housing would be 30.5% of your gross income.
The math
177,110 price − 10% down (17,711) = 159,399 loan
30-yr fixed at 6.95% on 159,399 = 1,055/mo principal+interest
+ 214/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
1,269/mo PITI ÷ 0.28 = 4,533/mo → 54,392/yr required
against Zillow ZHVI 2026-08 and the 6.95% FRED 30-yr rate (2026-09-17).
What salary WOULD clear Youngstown, OH?
You need about $54,392/yr for the typical home. That's $4,392 more than $50,000.