450-500 as an IC in bay area which means you technically make 400 after taxes. Cost of living is 2000-2500+ for a single room in some hole. Mind you my mortgage on a 3000 sq ft house is 2500. You could move into a house with some roomates which alot of my friends did. Live in a house in 4 other people paying 500-700 a month. Not knocking on the bay area, but I used to live there for 2 years.
Dentists are open late hours, open on weekends, open on Fridays, and working with alot of HMO insurance. I moved out bay area and made double working 4 days a week.
On the plus side, bay area "was' fun at a specific point in my life, but when it came down to settling down and moving out of my young 20's life, it made more sense to go elsewhere.
Raleigh would be a much smarter move.