My main thought is that it's the intersection of economic prosperity that rewards individuals in certain sectors extremely well combined with natural and artificial restrictions on the housing supply. If housing is short, the people who make the most-- and can pay the most-- have a strong influence on the market rate. And if they're making a whole lot more than the other folks, the other folks get priced out of the market.

BT

I am very glad to hear that there's down-payment assistance for first responders in San Francisco.