I have a big enough house to be able to put this machine somewhere out of the way but there are plenty of cheap server gear on classifieds. I paid ish 300 euros for a 32 core machine with 40gb ram. I can host all the things without it even breaking a sweat.
Probably uses a lot more electricity, but I haven’t really noticed it on my power bill
If we want an open chat service, I’dd look into Matrix, which is federated like kbin/lemmy. Its also a work in progress, but it does support both text chat and voice/video chat. And it does have rudimentary “spaces” which lets you group channels and such, which makes it easy for people to discover the channels in our community.