True, but I’ve read that most people don’t budget or spend conservatively, so it is theoretically possible to get by on a normal paycheck in SF. At that rate yo

True, but I’ve read that most people don’t budget or spend conservatively, so it is theoretically possible to get by on a normal paycheck in SF. At that rate you probably qualify for stuff like BMR housing and may be able to own a home in the Bay well before someone earning $100K-120K. However, it’s very unlikely you will win the BMR lottery or qualify for the loan.