Not to mention the median for a developer in the Bay Area is around $125-130k [1] [2]. Those $200k+ salaries often quoted here on HN are top outlier employees at top outlier companies, not rank-and-file mid-level engineers at average no-name companies.
1: https://www.glassdoor.com/Salaries/san-francisco-software-en...
2: https://www1.salary.com/CA/San-Francisco/Software-Engineer-I...