Depends on budget I'm sure, but the prices are lowering fast. You can buy a used 2020 Model 3 from Tesla.com for $28,700 with 34,219 miles, including a 10k + 1 year extended general warranty, and the 5 yr + 100k mile battery + motor warranty. New 2023 is $36,650 minus $7500 and minus state incentives, so $29150 or less before tax.

Another option, a 2019 eGolf is $17,000 with 120 mile range used with 36900 miles and still has some warranty remaining on battery + drive train.

I think those are comparable to gas alternatives. If you factor in gas savings, the monthly payment starts to work out for a ton of long commuters. Then, once you pay off the loan it's insane how much you save. I pay $116/mo for insurance and $350/yr on reg for my 2019 model 3 now that I've been driving for the last 4.5 years. If you have to charge at superchargers it's less savings, but if you can charge in a garage or at home it's about $30-40/mo to charge vs $160-200 /mo I was paying in gas.

Moving closer to the city can cost $500+/mo more than living farther outside the city for a similar sqft place. Plus you get cleaner air, quieter environment away from the main city. Some people don't like city living.