I can get 400mbp/s in the bay area. And I can upgrade it to a gigabit. Have you asked them to run diagnostics on the lines. Mine was damaged somewhere in the attic so the put in new lines and it has bee good afterwards.
Availability of fiber vs cable vs DSL vs WISP to homes in the bay area varies wildly from neighborhood to neighborhood (even from one block to the next). It's a little crazy that even in SF proper this is still an issue in 2020, but it turns out legacy infrastructure is simply hard to work with.
