Well and Septic are free, unless you include the maintenance and installation costs, which are substantial. 20k+ to drill a well in some places, electricity to

Well and Septic are free, unless you include the maintenance and installation costs, which are substantial. 20k+ to drill a well in some places, electricity to run it, maintenance when the pump breaks, things like that. Septic has to be pumped sometimes, clogs sometimes, again probably 20k+ to install, etc.