Apartments may be expanded to small, medium and large in the future or at least they were talking about considering doing that. Housing isn't just the cost of the house but the furnishings aren't cheap either. If you aren't planning on gardening an apartment could be a good thing for now. You can hope for additional wards later and future housing districts to get a house. You can also when you get the money camp the housing area listings and hope for the opening of a demolition plot and buy that.

Good luck.