For some people, renting a house or apartment in San Francisco is easy. If your gross pay adds up to $200,000 a year, for example, you might feel fine about sinking a third of this year’s salary into a bright, one-bedroom South Beach loft, or a two-bedroom loft with a view in the Castro District . On less money – say, around $100,000 in take-home pay – you could reasonably afford a Union Square studio, or a 550-square-foot studio for $2,800 in Pacific Heights. Even if you invest no more than a third of your income in rent (the traditionally recommended ceiling), you could live in a one-bedroom apartment in Ingleside, near the San Francisco State University campus. You would have options.
But say you actually work on campus — as a teacher, librarian or groundskeeper. Say you want to go to school there, and not have to commute more than a dozen miles in the morning.