I would be hesitant. That situation is not ideal. It is a red flag, but not a deal breaker. If she is a great person and working on improving her life then no problem. If she is in this position because she is a complete fuck up in life and has no ambition to improve, then I would pass.
I certainly wouldn't rule it out. I'd definitely take her on a date and see how things went. If anything all I've learned from the description at the top is that if things are going well a few dates in, we probably won't be going back to her place!
I'd totally be open to it, if she had a nice personality to go along with looks, I'd date her for sure. If she lived in NYC/SF/Chicago or a large expensive city, living at home with parents and no car is very common too