I found out I was pregnant when I was doing an access course and had a place at uni (as a mature student). I was working part-time on a temp. contract, so no maternity leave available. I wasn't with the father at the time (we had been friends for years but lived miles apart, and I lived in a one bed flat which I owned. I wasn't sure if we'd have the baby or not.
We decided to go for it, have the baby and be together. DP moved to be with me but that meant quitting his job.
So we had very little money. We've managed one way and another (e.g. we rented our flat our and moved for work, I delayed the start of my degree by 2 years, DP studied too, we made full use of the childcare grants which you get when studying or on working tax credits. We sublet rooms in the house we rented, etc).
Being in a flat should be doable, at least at first. Babies are meant to be in the same room as you for the first 6 mints anyway. DS was in the same room as us till he was 2 in the end.
I'm not saying you should go ahead with the pregnancy necessarily. But I am saying that you'll find a way to cope if you want to.
I'm glad I kept my baby. But I also had a termination, an earlier pregnancy, with the wrong guy, at the wrong time. Had I gone ahead with they, I would not have had my DC with what turned out to be the right guy IISWIM.
You need to decide what's right for you, I can't tell you that.
All the logistical problems you mention can be overcome however, if you want,