The cheapest dorms are Mary Park and Mary Ward, but they are awful, stinky, and just have this old-timey sense about them. If you can afford it, room in the Village, the nicest dorms available. They are roomy, and they just look like cool apartments (minus the nice fridge). Otherwise, take your chances in the Towers, which resemble small apartments once meant for two people but squeezed to fit four. However, despite the crampedness, it can be really quiet in the Towers.
If you are a freshman or incoming transfer student, it would be wise to try your best to live in the dorms, no matter the reviews. At a commuter school, the best thing to be is on campus the majority of the time. Campus housing really allows for real friendships and connections, and to find out all of what San Francisco State has to offer because those who live off campus really find it hard to meet anyone on campus and fufill that sense of community.