take this with a grain of salt, because:
1. They count Tesla Model Y as 'luxury'?!?

Well that explains SF.
2. Ford F150s can go for over 100k...
50 Largest US Cities
% of Auto Loan Queries for Luxury Cars, 2025:
1--San Francisco, CA-------43.9%
2--New York, NY------------41.5%
3--San Jose, CA------------41.3%
4--Los Angeles, CA---------40.7%
5--Miami, FL---------------37.5%
6--Atlanta, GA-------------36.5%
7--Seattle, WA-------------35.8%
8--Washington, DC----------35.3%
9--Boston, MA--------------34.3%
10-Oakland, CA-------------33.9%
11-San Diego, CA-----------33.0%
12-Dallas, TX--------------32.7%
13-Austin, TX--------------31.4%
14-Charlotte, NC-----------29.8%
15-Chicago, IL-------------29.0%
16-Long Beach, CA----------28.6%
17-Houston, TX-------------27.7%
18-Tampa, FL---------------27.3%
19-Nashville, TN-----------26.6%
20-Baltimore, MD-----------25.8%
20-Las Vegas, NV-----------25.8%
22-Sacramento, CA----------25.7%
23-Philadelphia, PA--------25.3%
24-Raleigh, NC-------------25.2%
25-Denver, CO--------------23.8%
26-Fresno, CA--------------23.2%
27-Portland, OR------------22.9%
28-Phoenix, AZ-------------21.7%
28-Minneapolis, MN---------21.7%
30-San Antonio, TX---------20.3%
30-Jacksonville, FL--------20.3%
32-Bakersfield, CA---------20.0%
34-Memphis, TN-------------19.8%
35-Virginia Beach, VA------19.4%
36-Ft Worth, TX------------19.1%
37-Albuquerque, NM---------18.1%
38-Louisville, KY----------18.0%
39-Kansas City, MO---------17.8%
40-Detroit, MI-------------17.6%
41-Milwaukee, WI-----------17.5%
42-Columbus, OH------------17.3%
42-El Paso, TX-------------17.3%
44-Colorado Springs, CO----17.2%
45-Oklahoma City, OK-------16.4%
45-Mesa, AZ----------------16.4%
47-Indianapolis, IN--------16.3%
48-Tucson, AZ--------------15.8%
49-Tulsa, OK---------------15.2%
50-Omaha, NE---------------14.3%
https://www.lendingtree.com/auto/popular-luxury-vehicles-study/