Yeah, even in the SF/SJ locality which has the highest Locality Pay Adjustment (at 41.44%)[1], the position would likely have to be GS-12/GS/13 to start being competitive.
There is the option of going to some area with a much lower cost of living and trying to hire there, but the problem might be getting enough people together to form a team. If you can easily get enough people with skill and experience, the area probably has jobs for them that pay better, and if those jobs don't exist, it might be hard to find the people.
Eh, USDS and 18F jobs are kind of contract-based and do hit past six figures last I saw. However, they were defunded a lot since last I saw by POTUS45 so it's not clear what the state of comp is. DC area tech is a mish mash of rather enterprise-centric businesses and can be challenging if you're in the wrong domains of expertise.
Unemployment services are ran by the state. The entry level Software Engineer salary by the state of California is around $64k, with senior level salaries between about $75-$105k in Sacramento. I do not know if if this is normal, above average, or below average when compared with other states.
Virginia, DC, Maryland have similar cost of living but VA, MD, and DC have drastically different governments, tax rates, rights, and laws despite people working in roughly the same 40 square miles. Even a federal employee graduating and writing software should make more than that. Senior salaries are between $110k and $140k with not a lot of outliers on either end (the distribution matters more to me than a median when talking salary these days for white collar jobs).
California is a huge state and the Bay Area is going to have drastically different stats for even the same industry comparing San Diego, Los Angeles, Sacramento, and San Luis Obispo (yep, there's software jobs there too).
There is the option of going to some area with a much lower cost of living and trying to hire there, but the problem might be getting enough people together to form a team. If you can easily get enough people with skill and experience, the area probably has jobs for them that pay better, and if those jobs don't exist, it might be hard to find the people.
1: https://www.federalpay.org/gs/locality/san-francisco