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Speaking as a 23 year old living in a one-bedroom apartment in the northern-NJ suburbs: There's no way I'd be able to afford it were it not for my girlfriend who lives with and splits the rent with me. In my area (which I can't leave due to work and her school obligations), there aren't any one-bedroom spaces available for less than $1.1k per month. The apartment hunting experience has really soured us on home-ownership in the future. I can't even imagine what it must be like a few miles southeast in NYC is like for someone my age, and living in San Francisco is a downright horrifying concept.