What's crazy is how expensive the San Francisco suburbs are. You can buy a house in Pehlam for $500k walking distance from a train that'll get you into midtown in 30 min (leaving every 15 min during peak times). Westchester towns are built around the train stations (no huge parking intimidating pedestrians), so you can take the train everywhere. Greenwich is a few stations up, with all the WASP-y shopping places, Port Chester has the Costco, etc. Everything is walkable from a train station.