I’ve been playing piano for a long time. Personally, I would recommend getting a good keyboard instead of a piano. Buy a keyboard with weighted keys and full-set of keys. Unless you’re a audiophile or snob, you can’t tell the difference. It’ll be cheaper, more portable, and one can wear headphones if practicing at night.
Don’t worry about the cost of pianos going up in price every year. Pianos do not really appreciate in price, they get slightly worse overtime as it ages and gets worn down. A 200 year old Stradivarius violin still sounds amazing, but you will never see a concert pianist play an old, old piano.
If you’re looking into buying an used piano, make sure it’s not so crappy that it’s un-tunable.