Living in SF Bay Area (Castro Valley, Alameda Co.) with no mortgage and subsidized medical insurance:
One Person:
Property tax, home ins, HOA, nominal maintenance, utilities, food, medical/dental, car ins, car maint/repairs, and gas = $29,000/yr
Add in second person: food, medical/dental and transportation = $13,000/yr
Total Essentials = $42,000/yr
Add routine spending (travel, entertainment, recreation, gifts, clothes ect.) and non-routine spending (replacing items like cars, appliances, major home repairs ect.. and buying new stuff) = $50,000/yr
Total standard of living = $92,000/yr (Very comfortable, but frugal. Can reduce spending if needed)
The CA average of $86K comes close to us.