You can rent-to-own a 6br house on a 6k+ sqft lot with a detached garage in NJ with a ~1hr commute to Manhattan for $3,500/month in NJ. $3k/month on an apartment gets you a luxury huge 2 to 3 bedroom with in unit w/d and bowling/swimming in the basement or something in Hoboken with a <25min commute to Manhattan.
Thinking 36k/year (more then the total comp of many workers in America) is cheap housing is a Bay-area distortion.