At a mayoral forum last year, a woman raised her hand. She said she and her husband both worked in tech. Between them, they earned $400,000 a year — a figure that would place them in the 97th percentile (opens in new tab) for U.S. households. In San Francisco, however, it meant that the couple had abandoned an attempt to buy a home after realizing they couldn’t afford it — even when pooling resources with her parents.