I really hope everything works out for you and your family, esp with the new baby on the way. I am davening for you.
Just one thing:
“…I don’t even know of any studio’s for as low as $1K a month”
I don’t know what your apartment situation is, however I also live in an area where the rent is generally at least this high, sometimes way more, but keep searching – sometimes an apartment opens up even in NY that is much cheaper (and it can even be a decent apartment.) I looked for a good few months and b”h was able to find a nice 2 1/2 brm apt for under $1000. It may not be necessary to move away from where you live now and your job etc.