A couple of suggestions:

- If you enjoy going out, like laidback attitude - Berlin. Not super cheap, but way cheaper than SF.

- If you like the sun, sea, surfing - Portugal.

- If you like outdoors, security, ecology, arts - Ljubljana (Slovenia).

I'm biased since I'm a Slovene, but work-life balance is insane in Slovenia, the environment is super clean, everything is super safe (as in no murders). If you're remoting you'll be earning top dollar, but even mediocre senior tech job will net you enough to support a family living in Ljubljana and live very comfortably (long vacations, travel, eating out, nice apartment)...