So you've found all the ones who have low expenses. Well done. I have a family, a mortgage (or high rent), extremely expensive car insurance, and a shit-ton of experience. I love programming no less than I did when I was 10. If you would like to hire me, and people like me, you will need to offer more money. But if your business can handle being understaffed, by all means keep offering the same salary.
$125k to work in Silicon Valley? Will that even cover my rent? I used to work in Palo Alto - shared a 1 bedroom apartment - took turns on the couch. It was fun, when I was straight out of college.