Also: there's the Manhattan people typically think of, and then the reality that it's a large island with a wide variety of housing. Most folks who aren't from NYC think don't realise that world continues past 110th st (or, let's be honest, past 86th).
Sure, but you’re trading accessibility/entertainment/<something else people value and typically accept as a given for living in Manhattan>. At a certain point, it makes more sense to leave Manhattan to one of the other boroughs, go across the river to New Jersey, or move further up to Westchester/ Long Island. Your money goes further there (housing, groceries).