The bills are the same in both situations. When renting, if you don’t pay them directly then the owner pays them using your rent.
I’ve lived in apartments that had ‘guaranteed monthly bills’ where (for example) the water bill was always $50 regardless of how much I used. I might save money by using a lot of water and having a guaranteed small bill, while my neighbor uses only a little water and has a high bill, so it all averaged out for the owners. I’ve also lived in apartments that included cable and internet, but again the owner pays that bill using part of my rent.
If you build a house you can save on utilities by putting in a well, septic system, or solar array. You can also save energy by making sure the house is well insulated or has energy efficient appliances.
If you use the city utilities then there is a bill, and they don’t care who the owner is.
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