You need to move to DC to work for USDS (https://www.usds.gov/join#relocation), but you can work for 18F from anywhere in the US (https://18f.gsa.gov/join/). The login.gov team includes both USDS and 18F team members (as the blog post says).

Also the salary cap is $161,900, as shown in this pay grade table for SF: https://www.opm.gov/policy-data-oversight/pay-leave/salaries... Not a top-of-the-line private sector salary, but not some kind of hardship.