Baruch has no norms so you would either have to commute or find roommates and share an apt in the city.
Tuition and fees- St Johns:
General
$22,800 per academic year
$760 per credit
Fixed Rate Tuition for Freshmen entering Fall '05 and Spring '06:
$830 per credit; $12,450 per semester.
The Peter J. Tobin College of Business
For students (years 3-4) who enter in 2005-'06, '04-'05 and '03-'04:
$802 per credit; $12,025 per semester.
Room and Board: 2005-2006 Academic Year
Queens Campus
Single Room: $4,150 per semester.
Junior Double Room: $3,100 per semester.
Standard Double Room: $3,450 per semester.
Junior Triple Room: $2,900 per semester.
Standard Triple Room: $3,450 per semester.
Board (Meal) Plan: $2,050 per semester.
http://www.stjohns.edu/admission/tuition.sju
Baruch:
Undergraduate tuition
$2000 per semester $4000 per year
http://www.baruch.cuny.edu/tuition/index.htm#costs
with the $20,000 that you will save in tuition alone, I think you will be able to get a nice apartment