Going to less good university just so that you leave home sounds to me like immature decision. It is the sort of thing teenagers do - doing something irrational just to prove that I am an adult.

I think that if you have good relationships with parents, do your part in the house chores, the school nearby is actually good, there is absolutely nothing wrong with staying at home. If you cant wait till you leave the family home, then maybe it is not that you are super mature, maybe simply relationships in your family sux. Which is not a badge of honor.

To add, living outside of campus have one big advantage - freaking uninterrupted sleep time.