I don't think any of those houses are in locations that most people here mean when they say NYC (by which many mean Manhattan south of about 110th Street or a fashionable part of Brooklyn).
I'm not sure I can argue about exactly what constitutes NYC, given that I pre-excluded Staten Island. :)
However, I work in the flatiron district, and most of my co-workers live in Brooklyn, the Bronx, Queens, and NJ. One of the unexpected things I discovered when moving here two years ago is that there are a lot of reasonably-priced areas within an hour or so commute on buses or trains.
In general, you can get to fairly reasonable housing prices in quite a few places by going 60 minutes or so from expensive urban cores--though NYC is almost certainly better than most in transporting you into the city without making you drive a car most of the way.
The Bay Area is mostly an exception because you have such high prices not only in the city itself, but also the South Bay until you get way south and north in Marin County.
Most tech jobs in NYC are in midtown and lower Manhattan, but people live all over. In my office there are people living in all 5 boroughs, Westchester, NJ, and Long Island. It’s true that Manhattan and BK are more heavily represented, but there are options.
Sure. A very common pattern among my friends was that, when they had or were planning to have kids, they moved out of Manhattan to Greenwich or whatever. (This was a while back so the outer boroughs were probably relatively less interesting relative to the commuter rail destinations.)
But, at least in my bubble, when people are talking about the high CoL of NYC, they're mostly talking about living in the core.
The Bay Area is a bit unusual in that compared to a number of other expensive cities, it's hard to really commute out of the expense unless you have a really long commute. The East Bay comes closest I guess. By comparison, I live in the Boston area but you can get out to many suburban or even relatively rural towns within an hour. (Historically that's where almost all the computer industry jobs were anyway although that has changed somewhat.)
Many have mortgage payment estimates under what senordevnyc mentioned paying for rent, now.