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$40k isn't much anywhere in the US, not just in San Fransisco. Mississippi is the poorest state in the US, with a median household income at $37,095.

I wonder where X% or $Y over or under median has a bigger impact on quality of life.

What do you think has the bigger impact on quality of life, services or goods?

X% over in a wealthy city is going to give you the most extra money, good for buying BMW's, travel, and things on the internet.

$Y over in a poor city will make you locally wealthy, so you can eat at the nicest restaurants, afford the nicest houses, and maybe have hired help.

A good point.