Depends on your region, but in general if you can find at least 3 people you want to live with, you can apply to establish a cooperative.

Do note that securing a mortgage would probably be a bit harder than buying on your own, but with more people you can acquire a larger space and split the costs that way.

Fundamentally, it's unlikely it will be cheaper than buying outright - however you'll have a community of people to rely on if at any point you become temporarily unable to pay your installments, which can make it safer than self-ownership.

But the biggest plus comes when the mortgage is paid off, as then the coop can decide if you'd rather slash prices to include just bills, or keep the same monthly amount but put the extra towards a shared coop fund that can be used to convert more landlord owned properties into cooperative housing.

In my area - non-mortgaged coop properties have about 40% lower monthly payments.