I feel like that’s an unfair comparison. Because New York has a ton of cheaper district. Your numbers don’t seem right if you’re looking in Harlem or Brooklyn. Whereas SF is quite small and there are just no cheap apartments. Even TL is expensive as hell.
Yes, you could live in harlem or deep brooklyn but then you lose stuff like an elevator or easy access to grocery stores or a kitchen that doesn’t look like a joke. Don’t get me wrong there’s plenty of nice places but the standard of living is a lot lower than the rest of America.