Mortgage affordability depends on many factors, such as annual income, debt-to-income ratio, and credit score. With an annual income of $52,000, you may be able to afford a mortgage that costs up to two and a half times your gross income. This is a general guideline, and other factors should be taken into consideration. You can use online calculators to help you determine the exact amount you can afford for a mortgage. Additionally, you should speak to a loan officer or mortgage broker to discuss the best options for you. With the right guidance, you can find a mortgage that fits within your budget and helps you reach your financial goals.