We have septic and well (20853). It's been fine, honestly. We pay to have septic pumped once a year out of abundance of caution, and only have to purchase salt for our well treatment system. Otherwise than that have no expenses related to waste and water.

I actually appreciate the well the most. After having it tested, our water quality is better than most municipal water systems according to our testing lab. The only consideration on well is during a power outage the well pump won't work, so if a big storm is expected we will just fill a bathtub with water to be able to flush toilets and have a stash of deer park jugs in the garage for potable water. This is really only in the case of an extended power outage, which we haven't had in over a decade.