The time frame is confusing, but you are in a relationship and
are staying together, and now you have grown apart.
You are right these thing do happen.
There are mental and emotional blocks to action.
Firstly, the confession, how to tell her.
Tell her you must. Think and explore on how to bring up the
matter. There is a possibility that she sensed it and is
waiting for you to bring it up. Anyway expect it to be emotional,
think it through, and do not avoid it. The idea should be to
talk, discuss and decide.
Secondly, the alternative accomodation, looking for another
place to stay.
This is another big influence on maintaining the status quo. It
takes courage to strike out on your own and look for your own
accomodation, or ever return to your family. Talk about the
arrangements to be made.
Thirdly, have you made any romantically inspired declaration to
her? Did you tell her that you will never part come hell fire or
what not, and you will be together till your dying breath etc etc.
Well for this, read Fugazzi's post. Just be honest.
Remember you talked together into this, well now talk together
again.