The 20 degree figure everyone is throwing around is actually supposed to be the difference between the return air temperature and the supply air inside your home

If you have 80 degree air in your house, 60 degree air should be coming out of your vents. Once the 60 degree air has cooled down the house to 70 degrees or so, 50 degree air should be coming out of your vents. And that’s about the theoretical limit for home air conditioning, as anything lower means the cooling coil is below freezing and will get damaged by ice, there’s usually a safety switch that prevents things from getting too cold.

Now the outside coil needs to be hotter than the surrounding air to actually push that heat out of the coil and cool off. Most places around me are designed for a 95 degree summer day, so will have a refrigerant temperature of about 120 degrees, in order to move that heat. Your compressor needs to be able to compress the refrigerant from your cooling coil until it’s about 30 degrees F hotter than the outside air. The hotter it is outside, the harder it is on the compressor. But it will eventually do it if you let it run long enough. Whether or not you want to pay for all that electricity is another thing entirely.