You'd be surprised. I live in a state most SFers consider the middle of nowhere, and my friends and I make more in absolute terms than most SF companies offer (excepting the top tier). 90k is not much more than entry level IT pay here, even new grads make more.
Of course, you can't just work on CRUD apps or mobile apps, you have to build up domain knowledge of the business.
Surprising! Whenever recruiters have gotten confused and sent me non-costal job listings the salaries have always been very low (e.g. 140k for a principal level).
Yeah, we make quite a bit more than that even at IC level.
The best jobs are typically not send out for recruiters - people check their networks first, and only go to a recruiter if nobody in their network is available.
Of course, you can't just work on CRUD apps or mobile apps, you have to build up domain knowledge of the business.