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Median rent & home sale price is much greater than bottom quintile. A 2-income household each earning minimum wage $15/hr and working 50hr/wk can afford $3500/mo in rent. Plenty of options.
The couple you're talking about is working full-time + 25% and spending >50%(!) of their combined income on rent. If either of them loses a job or has hours cut, rent is on the line. They can't afford to split up. They can't afford to have a kid. This is a VERY tenuous situation.
“Median rent” means 50th percentile, not cheapest option available. The bottom quintile or decile of market-rate studio apartments costs well under $2,000/mo.
I'm really skeptical of that claim. Very few apartments are on the market under $2k in SF, let alone "well-under." And while living in a 300 sq ft hole in a sketchy area can be a stopgap, your hypothetical couple is working too many hours to have many options for ever escaping it
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