Exactly how much is the peace of living alone worth?

I currently am getting a steal of a living situation. I rent a bedroom in someone's townhome for $1000, whereas most bedrooms go for $1500-$2000 where I am. 1 bedroom apartments go for $2800-$3500.

I moved in here to save money. I have an 18-month emergency fund, but I am 50% behind on retirement for my age. I am in my 40s and work somewhere I will have a retirement package in addition to whatever I save on my own but haven't really factored that in.

My plan was to stick it out here for as long as I could to save as much as I could while I can, but damn. I really miss living alone.

It is my roommate's townhome, and she has it chock full of clutter. The entire home is crowded, with excess furniture crowding all the common space, and knick-knacks/"decor" covering literally every flat surface. I have to move "decor" aside to set a cup on the coffee table. I have to move "decor" aside to eat at the table.

The kitchen surfaces are 75% covered with dishes, bottles, and as pantry overflow. It is a full (and by my standards large) kitchen with plenty of cupboards. I have one small half cabinet for all my food and there is barely any room to prepare food. She just has a ton of stuff. There is a storage closet and when I moved in she promised me half of it but it's been 4 months and it is so full you can barely open the door without stuff falling out.

Then I am also realizing…. The townhouse itself is dingy. Everything is old and crummy. Caulking is discolored, moldy and flaking. Veneer is peeling on everything. Whatever she does in the shower (we share a bathroom) causes the drain to be clogged every week. I clean it out every time I shower at home which is about once every 4 days.

In the neighborhood we have a barking dog that barks from 7pm to 3am every night. We have a disturbed neighbor who stands on their porch yelling threats of violence and obscenities for hours at a time.

Overall I am just starting to wonder if saving the money is really worth my peace.

But my net pay after maxing 401k is $7k, so a 1-bedroom apartment could potentially be up to 50% of my net. I feel really torn about what to do here.

I feel really overwhelmed by the clutter of the living environment even as I keep a minimalist style bedroom. I've noticed myself hiding in my bedroom more and more even though I am a social person and like my roommate. Because the clutter just overwhelms me and I can't relax.

I have thought about renting a 2-bedroom somewhere nicer and just getting a less cluttered roommate. 2-bedrooms go for $3500 and up.

Anyway I am rambling now. Could use some neutral thoughts about this. What do you think?