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Whatever you call it, $120,000 puts one within the top 8% of income earners in the U.S., if you can't make that salary work then you only have yourself to blame.

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National statistics are totally irrelevant. The only thing that matters is where you are relative to others in your housing market.

The median income in San Francisco is $78k. The 25th percentile is $141k. To be in the 10%, you need $238k.

http://www.businessinsider.com/the-salary-of-the-top-earners...