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If you are living alone, a home gym would be best. I converted my living room into a sweet home gym. The only minus about it.. Is the lack of motivation :P.
I tried to do that last year and had the same problem. It’s difficult to get motivated in your house because you don’t psychologically associate your house with physical exertion. For that reason alone – not to mention the investment required to get properly setup – I think a gym fee is worth it.
It also depends on your goals though, if you just want to maintain a reasonable level of fitness you can do bodyweight exercises. If you want to acquire more muscle or see more dramatic change though you will need to be lifting more heavy.