It's your life and you are the one who knows how you feel about your partner. I think the fact that you have lasted 10 years speaks volumes. What on earth is wrong with a council house ? No one knows what the future will bring. Maybe you will be the one needing help.(Hope neither of you do!)
Your Mum obviously has a problem and you have been bearing and continue to bear the brunt of it. Try to see her negativity as not to do with you, but to do with her, it's just that it is you that happens to be in the firing line. For certain sure, never, ever try to please her, you will never succeed. Not because you have not tried hard enough etc etc but because she is un-pleasable.
What would you miss if you did not keep in touch with her ?
Try writing the answer to that question down , then take things from there....it might help you to decide what to do.
I'm sure she knows where you live and will contact you if she wants to/needs to. If you want to cut off contact, just do it, don't have a scene and tell her, just don't contact her. if/when she contacts you be as bright as you can, relentlessly cheerful, and tell her very little about what;s going on in your life.
Good Luck. I think you are going to need it.