That sound really difficult Ashely.
I had an unplanned pregnancy when I was 27. I was engaged to DH at the time and planning the wedding but it was a shock nonetheless. DH was mostly, at that point, thinking he didn't want children at all. We were lucky in that abortion wasn't really something we considered so we didn't have that huge decision to make.
In some ways, the pregnancy made things easier - my family weren't massively delighted about the engagement but were thoroughly delighted about a grandchild. It probably saved us a lot of stupid headaches and possible rifts over wedding planning (sounds trivial but starting from shakey acceptance of the engagement, throw in some wedding disagreements and I think that things between my DH and my family could have become very sour at a delicate point) as we just brought the wedding forward and made it more low key.
I also feel it was about the right time for me to have a baby. However, on the negative side, OH and I didn't get as much time as we would have liked to be just us, to share our lives without the responsibility of a child. Also, it is hard not to be aware sometimes - not by his actions - that DH did not want a child at that point. We could never wish her away but we do wonder what life might have been like if we'd had a year or two more before a child.
So that's one story. Only you can decide for you.
I think that, with regards to affording things, you can muddle through. There is never an absolute right time to have a baby so waiting for that is not the best idea. However, bringing a child into a relationship where s/he is not wanted is not a good idea either. Do you think, with your boyfriend, it's shock and disbelief and he could get excited or is he just not somebody who wants children at this stage? Is he of a similar age to you?