Need advice - Rent Vs Buy

I’m at a crossroads—should I buy a house or continue renting?

I currently pay $1,000/month toward my student loans, but I may need to take on my fiancé’s loan as well, adding another $1,000/month. My base salary is $90K, with a $10K yearly bonus paid quarterly.

I rent a 1,300 sqft, 2B/2B apartment in an okay area for $1,500/month. Utilities include $300 for electricity (due to electric heaters and winter temps reaching -15°F), $20 for renter’s insurance, and up to $60 for water/sewage.

I found a 1,680 sqft home listed at $264K, on the market for over 80 days. I plan to offer $190K, hoping to close at $200K. The house has gas heating (cheaper than electric) and a gas stove (we cook a lot), plus a pool we might use.

Estimated monthly costs: • $1,308 with 20% down • $1,745 with 3% down

My lease ends in August. Should I buy now or extend my lease for another year? What would you do in my situation? Looking for suggestions!