Unsurprisingly, private offices score the best, by a huge margin. Right now, I've got a huge office to myself (separate from a two-person office next to me by an open passageway). It's super quiet because there are bookshelves full of books to absorb any noise, as well as thick 1970-era carpeting. It's the most productive place I've ever worked. I have no idea why tech companies would pay engineers gobs of money,[1]…
> Apple's new spaceship building (in the middle of a faceless suburb) > will cost $5 billion and have 2.8 million square feet of space … that no employee below VP level can afford to live near. It's OK, though; Apple doesn't have to pay them for the tenth of their lives they waste commuting. And above the entrance these words appear: “My name is Jobs, CEO of CEOs: Look on my works, ye Mighty, and despair.”
San Jose, Santa Clara, Campbell, and even parts of Cupertino and Sunnyvale are far more affordable than SF. This is especially so for couples and families.
(Suburbia is a far cry from SF in terms of culture, obviously, but that's a different topic)