If you go to MIT's living wage calculator, they do the math for you. For a family of four living in SF, they estimate ~$15,400/year in food costs (a bit higher

If you go to MIT's living wage calculator, they do the math for you. For a family of four living in SF, they estimate ~$15,400/year in food costs (a bit higher than what I said, but still way less than $24K. Same for housing - they put the costs at ~$35K / year. The big difference is family of 4 with 2 working (childcare costs) versus only one working - in the former case, living wage (read: middle class wage) for a family of four is ~$164K in SF, and in the latter it is only $113K (as I mentioned in my previous comment). https://livingwage.mit.edu/metros/41860 https://livingwage.mit.edu/metros/41860