Would really like to see some methodology here.  I find it extremely hard to believe that programmers can only afford 4% of SF&#x27;s housing stock, but doctors can do 41%.<p>Sure doctors might make an average of $175k while programmers pull $100k, but by the time the doctor exits residency, the programmer will have earned about $400k+ post-tax while the doctor is $200k in debt.  It&#x27;ll take quite some time (12+ years) for a post-tax salary difference of $36k to make up that imbalance.