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I live in SF and work in the east and south bay.
It all depends on how you live and what you expect. What your current debt is. For 130k you could afford a 1 bedroom in the sunset in SF. ~45% of your income after taxes going toward rent. If you value being in the city then you can make it work.
Richmond CA, typically doesnt have the best reputation as parts of it are pretty shitty but like everywhere out here, there are nice areas. Just make sure you do you research and you land somewhere you want to live.
Berkeley and Oakland are great too. Close to the city, excellent restaurants and overall just great places to live with culture.
There are other cities around here that are further out. I see some people recommending some of those areas. While I see the value in them, I personally would not want to live outside of SF, Berkeley or Oakland for where I am in my life.
If you want a more settled suburban life, then there are many more options.
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