California is among the top destinations for high-tech workers, who earn among the highest incomes in the country. Those who already own homes in the state, especially in San Francisco’s tony Bay Area, are the envy of their peers elsewhere. Even so, California’s new governor, Gavin Newsom, sees a growing “ homeless epidemic ” haunting middle-income workers and single-income households in the state, for whom both home ownership and renting are unaffordable. The median price of a home in the state was 0,000 last year, up 6% from 2017, and set to rise further, according to a forecast by the California Association of Realtors. Newsom wants to make way for 3.5 million affordable new homes by 2025, and has incorporated proposals to achieve that in his budget earlier this month.…