I live in the Richmond Hills and my MORTGAGE is less than that.
There is zero crime since I live in the hills. There are nice restaurants and nice people.
So yeah, please continue thinking that this place is uninhabitable and stay in SF. :)
Funny how people said the same thing about the Mission 10 years ago, or Oakland 5 years ago.
Plus is probably the worst possible commute location while still being in the Bay.
Don't get me wrong - the hills are nice, but there are PLENTY of reasons why your place is cheap.