I mean I'm being open here and saying I don't understand why CoL is so high in SF, since researching it from afar doesn't make it look that much pricier than what I've seen living in other cities.
And I commute in LA, it's not exactly enjoyable or cheap. But it's cheaper than living within walking distance of my office.
The other thing to remember is that when rent is that high as a percent of median income it has a rippling effect on the cost of everything else.
Since I moved to Seattle I pay 1/2 as much for groceries, 1/4 as much for the gym, 2/3 as much to eat out. So in the end rent isn’t the only problem. All your costs add up. Add state income tax and the problem compounds further.