Is it ok to break up with someone, even though you know they are making a serious effort to make it work?

Above all, you need to be true to yourself. It's's too bad for him, but from what you say, you can't help that. You're right, twenty-two is way too young to be trapped in a relationship where you're not happy. You need to secure a place to live and tell him it's over, soon. Let him down as easy as you can if you have hopes that the two of you can still be friends. That might not be possible, but even if it's not, you can still be as gentle as possible in telling him the truth. Good luck, I hope it works out for you. Trust. ';-()