There are a couple of other threads on this site and the consensus seems to be "No, not really". In looking into schools, when I spoke to current OT students, and current practicing OTs, they all said "No" as well - as long as the school is accredited and you pass the NBCOT, it really doesn't matter much where you went, in terms of getting a job. The students I spoke to at several schools of varying ranks all said that many people were headhunted by the places where they did their field work, or made connections through their experiences that led to jobs elsewhere.
To be quite honest, after having completed both a Bachelors and another Masters, and having been in the "real world" for the past several years, in a poor economy, I have found that school "name" is largely a popularity contest. I know people who graduated from Ivy League schools who have the same job title as someone who went to a state school. Many people get their jobs by knowing someone who can help them out. What matters is networking, connections, experiences, references, etc. For me, as a career changer, I chose schools based on location (because I have lived in my area for 10 years, I have a life here, friends, family, etc), and more importantly, the overall vibe I got from them - basically, whether I actually liked them or not and thought it would be a good fit for me. I don't care how "impressive" the reputation of a school is - if I don't feel like that school would be the best fit, I'm not going to waste my time. At this point, this is my last chance to start over in a career I actually want, and I want to get the most I can out of it. I have been to the "impressive" school with the high rank, and honestly, no one gives a hoot.
Go to the school that you feel is the best fit, when all factors are considered. And if that means considering living expenses, that is fine too! You're an adult - you're allowed to choose things based on practicality, not what "other people will think". Why put yourself into more debt than you need? If you're away from your husband and stressed out from work for 2.5 years, how do you think you will fare? Will you be burned out by school alone and not want to be an OT anymore? Or would it be worth saving your sanity and maintaining a stable home life, which is essential to academic success?