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The rents are high and unless you can afford a garage cars aren't even worth it, but I'll say this, there is no where in the world like NYC. If you get the opportunity to live there than take it, even if it's just for a year or two. The experiences will be wonderful and the contacts that you can make will be invaluable. There are places in the city that are "affordable" but you have to forget all that you have ever known about renting and realize that NYC is it's own world. And for those of you who get hostile about the way things are there, remember, nobody is asking YOU to move there.
Good Luck!
p.s. I am rather fond of the lower west side, it has all of the qualities you were looking for (except being cheap)
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Midway in the journey of our life I came to myself in a dark wood, for the straight way was lost.
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