One reason it is worth applying if you think you might go there is that you will have an opportunity to apply for financial aid and scholarships if you apply. At some colleges, all candidates are considered for scholarships. Applying for financial aid early is key, also. You can do that at in the fall of the year before you enter college. That program helps you identify the amount most colleges will expect your family to contribute, which helps them compute your financial need.
If you already know that despite scholarships you may be awarded and aid you may be eligible for that you can't afford to go, such as if you must live at home, this may not be worth your time.
Nancy recommends the following next steps:
This will be fun and exciting! Don't limit yourself--I would look at schools for which you are a good fit, and then apply. If you are accepted, the school will help you get the funding needed to attend, with with Scholarships and/or loans. Find a place that will support you and help you thrive. If you can find several places, that is even better. The schools you are accepted will want you to come and succeed. Good luck on your journey, and make sure you pick wisely!
As a last note I would also apply to schools in which you do have a chance at acceptance as well as being able to the pay the tuition; a back up plan in case the financial aid doesn't work out for your primary choice.
I wish you the best!