Yeah location of your place, climate, and placement of the server in the house will affect this a lot. I'm on the top story of a building, even in the winter I rarely need to turn on my heat, just getting by on the waste heat of the rest of the building. My assortment of machines will easily keep the living room at 25C+ with a window open unless it's below 10C out! If I could keep the servers in the cool parking garage, I'd save a lot of money...
Getting a circuit put is also much more difficult in a shared building...
Runpod has 3090s for .43 per hour! .22 spot. If your power costs .3$ per kWh, and you need to spend _another_ .3$ per kWh in cooling, say if you live in apartment in the Bay Area and it's summer, that's ~48 days to equal the cost of 30 days on runpod. So you are still saving some money, though much less than you might think and possibly spending more than spot instances!
