Looking at just the hosting costs is actually a really bad indicator of total costs. The unpaid volunteer time just to run/manage the instance are likely going to be significantly more than the hosting costs if they were compensated even at minimum wage.
Each of the stacks for XXXiver.se and Bestiver.se (Mastodon + Lemmy + Static Site (+ Linkstack/Wiki for XXXiver.se premium)) are shoved into a Hetzner server at ~$13/month, and backed by R2 Object storage.
My current total hosting costs are ~$30/month to host 2xMastodon, 2xLemmy, 2xStatic Site, 1xLinkstack and 1xWiki. This is basically the minimum cost for me to host all of that on their own infra. I have approximately 0 users other than myself yet, so there's not really a useful cost/user and I can't really provide info on scaling.
Unlike most others here I'm seeing if I can make hosting into more of a job by selling the full suite of services to communities (e.g. get your own Mastodon + Lemmy + others) or by up-selling to premium accounts. I highly doubt that it will actually make any useful amount of money but I'm curious enough to try.
FYI, if you really think that's enough then you should check out https://feddit.org/post/2600584
The most efficient large instances cost ~$1.40 per user per year for hosting costs, and that's if you value the admin/mod costs at $0