All perfect praise be to Allah, The Lord of the Worlds. I testify that there is none worthy of worship except Allah, and that Muhammad is His slave and Messenger.
It is your right over your husband that you be in a separate residence where you are spared any inconvenience, even if a rental. You are not obliged under the Sharee‘ah to live with his family, whether his parents or other relatives, in the same house, unless you willingly accept that. The Maaliki scholar Khaleel, may Allaah have mercy upon him, said in his Mukhtasar: “She (the wife) has the right to refuse to live with his relatives.” [End of Quote]
As for your husband’s statement: “This is how it is and you have to accept it,” if he means that it is a religious obligation on you, then this is incorrect.
It is indeed bad behavior on part of the in-laws to mistreat their son’s wife, hurt her, and cause her such inconvenience. It is the right of a wife over her husband that he protects her from the harm of his parents, along with taking into account the status of his parents and the obligation to show respect to them and honor them. However, it is not permissible for him, under any case, to wrong his wife in order to please his parents or under the pretext of showing dutifulness to them by doing so.
Our advice to you is to supplicate Allah, The Exalted, frequently to relieve your distress and make for you a way out of your difficulties. You should also keenly adhere to patience and recite Thikr abundantly to protect yourself from the evil effects of depression and stress. Definitely, Thikr (remembrance of Allah) reassures the hearts and relieves distress; Allah, The Almighty, Says (what means): {Those who have believed and whose hearts are assured by the remembrance of Allah. Unquestionably, by the remembrance of Allah hearts are assured."} [Quran 13:28]
You should also seek the mediation of some righteous people to discuss a suitable solution with your husband, or you may try discussing it yourself with him, even if it would entail buying a separate house with your own money or jointly with your husband. If this happens, then all praise be to Allah; otherwise you have the right to demand a suitable accommodation, which Allah, The Exalted, obliges your husband to provide for you.
For more benefit that a wife is entitled to have a separate accommodation and that she is not obliged to live with her in-laws, please refer to Fataawa 253297, 88654, 384583, 297622, 189065, and 137042.
Allah knows best.