What do you think are still good places that fits above criteria? Not so expensive Town/City with decent schools and diverse population.
So you can do something like google search[0]
and then start filtering ones that sound interesting through nomad list and Zillow or another real estate site.
Pretty much everything is going to look cheap compared to SF but you can get even cheaper by moving your search out by one suburb. Then it gets novelty cheap. Obviously you still want to check out the area and make sure it's a place you'd want to live. Google maps street view is a good way to start getting clues. Subreddits for the town are a good place to check too.
[0] https://www.bestcollegereviews.org/50-best-college-towns-ame...