I dont think anyone can predict the future and writing off the booming tech industry as a bubble is a bit naive. What is occuring in your area is not all that dependent on artificially low rates. You are in the center of the worlds tech industry which is the hottest sector on the planet now and should remain so for your lifetime and your childrens. Once Facebook mints a slew of new millionaires it will only be time before the next tech behemoth IPO follows. Do you think that one will come out of the Bay Area or Peoria? It is what it is….