Yes, housing is extremely expensive in the Bay Area. However, consider your options before deciding that there's no way to save more. I pay $500/month for your "Car/Insurance/Gas/Parking/Phone/Internet" category (old car, cheap MVNO, don't take the car to places where they charge for parking) and $300 for food/clothing. And that's for a family of 3. I do pay a bit more than you for Rent/PGE ($2750 all told) but again, family of 3 -- we need the second bedroom (and lived in a 1-bedroom for the first two years after my son was born anyway).

I'm certainly not saying that my choices are the "right" ones, but I am saying that if you make saving for the future a high priority it's possible to do at your income level, even in the Bay Area.