Pretty much this - making $100k in SF is considered low income (102k is "low income" for 1 person, 147k is low income for 4 person household according to Housin

Pretty much this - making $100k in SF is considered low income (102k is "low income" for 1 person, 147k is low income for 4 person household according to Housing and Development) and you likely don't qualify for any rental by yourself, not even a studio - you wouldn't be able to meet minimum makes-more-than-x-times-rent requirements. From my experience, the physical-virtual divide isn't quite at 100k, but it's more job title dependent. Many places are already swapping lower paid support/helpdesk/call centre staff to WFH; however there is much more rather gross surveillance and preventing from fooling around, timed login sessions, etc compared to engineers that can go run off to do laundry in the middle of the day.