Ok lets do some math. Lets take out 40% for taxes. This is a high number since the the whole number isn't taxed at 40%. That leaves you about 120k. Supposed th

Ok lets do some math. Lets take out 40% for taxes. This is a high number since the the whole number isn't taxed at 40%. That leaves you about 120k. Supposed the OP has a 1br apt so 120-32=88K. So 88K > (40K-8k). So some who is making 165k is pretty well off even in SF.