I have a similar situation. Not married, but have a house. I wanted to apply early, but had only researched my state school at that time. If I would have rushed and applied to other schools based on name I would have wasted a lot of money since many of them were state schools and accept few out of staters. So I was trying not to waste money.
I plan on getting feedback from my state school (as what to do to improve), taking more classes, and applying to more schools next year if I do not get in this year (after doing more research on schools).
Plus it's worth it for me to save $100,000 if I can go to my state school. To me $100,000 is worth taking more classes and waiting another year. I am applying to UNC and have heard that close to 50% of accepted students last year were re-applicants.