Depending on where you are in the US, it isn't much better. I'm paying $140/month for a 2gb/120mb asymmetric cable connection... I'm paying about that much again for a dedicated server on OVH mostly because they block self-hosting on residential connections, and it costs more than the difference to go to a business connection with a /28 cidr, so I'm renting a server with a better connection instead.
I've been a bit lazy and haven't finished my migration off of google and MS services... I have mixed feelings about my testing of nextcloud and the like. I've got a pretty solid mail solution (mailu) going, but even with that I don't have it on a domain/address I rely on. I'm mostly using a wildcard forward on one of my domains so I can assign a different address to most online and offline accounts as reference.