In the DFW area, the going price of machine quilting (panto or meander) is two cents per square inch. Some charge extra for thread, some don't. You provide the batting.
In this area, many quilt shops do quilting and that's the price I'm using. I find them reliable, and the quality is excellent.
Also, some quilt shops rent time on their machines. I've not done that, but I know you have to take a class before you do use the machine. I think it was about $175. for the class at the closest shop.
Maybe that will help you decide if it's worth it to invest in your own machine.
bkay