I am working in San Mateo and living in San Francisco. It is difficult at best to find housing in San Fran. San Fran is expensive and a very competitive market for housing. Don't know if you're in the area or not, but there are parts of town that are NOT safe to live in, and it's hard to know unless you're here or know someone. Try SF Bay Craigslist for listings and Tribe.net for recommendations on the area. SF public transportation is great, so if you do land a spot in the city, having a car isn't necessary.