I live in the San Francisco Bay Area, but siince I don't "write" a character my location isn't that relevant.
For out-of-town writers, you might want to go to www.sfgate.com, the web site for the San Francsico newspapers. This way you can get the skinny on whats going on in the City (we always spell it with the capital C).
I can tell you that:
San Franciscans are sick of the rain,
The Bay to Breakers race is Sunday,
Bill Gate is the Devil.
Karen