If you read through the documentation, you'll see that they actually have a value of 145k as a calculation of the low income limit, but they are only allowed to

If you read through the documentation, you'll see that they actually have a value of 145k as a calculation of the low income limit, but they are only allowed to grow the cap by 11.5% from last year, which was at 105k. This doesn't really tell you much about family incomes or the state of poverty in SF, it just tells you that housing prices are really high in SF (which we all know). Funny enough though, the median family income is at 118k and the income limit is at 117k, which means that roughly 50% of families living in SF qualifies for the low income limit for HUD.