Well it depends on how big a town you want and what you want to be near. Away from the S.F. bay area, there are hundreds of farm towns that are cheap to live in. If you want a less expensive city than the Bay Area, you have to go north of Santa Rosa. If you go inland, I would say Redding, Red Bluff or Chico. Along the north coast would be Eureka or Crescent City. In the Sacramento valley, I would say Yuba City, Lincoln or Davis. In the San Joaquin valley try Visalia, Fresno or Merced. On the central coast, maybe Santa Maria or Paso Robles.