Why are you comparing service workers in Florida to software engineers in California? Being in the service industry is worse in CA than FL, even with a higher min wage (which usually increases cost of living just as much). And there's not much of a middle class in CA either regardless of industry, in fact the entire state is known for its vast wealth inequality and disappearance of the middle class.
As far as affordability of housing in SF, it's because of city policies that refuse to let new housing be built, not because people don't make enough to buy a home. Same with extremely high taxes that deliver no value to citizens while the city is overrun with crime and homelessness and deteriorating infrastructure. This is separate from employment, and really needs to be fixed first before you can increase opportunities for people.