I couldn't afford the piano, much less the apartment!
I live in a very small house (900 sq ft) on a half acre lot. We don't practice with the PA on often, but when we do, it's usually between 3 and 5 PM. I have an understanding with our neighbors, that whenever we play, if it at an inconvenient time, let us know. They tell us we should practice more often (nice neighbors).
But most of the time we practice on the gig. After all, if you can't practice on stage, where CAN you practice?