I don't think it's the affordability that's the problem - or rather, I know plenty of people at Google / Facebook / Apple / any other company in the valley who

I don't think it's the affordability that's the problem - or rather, I know plenty of people at Google / Facebook / Apple / any other company in the valley who make the choice to commute not because of any cost saving, but because they don't want to live somewhere with very little going on socially and pretty much constant need for a car.