The cost of a website is not just the rate of a programmer - it is the sum total of decisions that will weigh on your budget for years. You choose the technology at the beginning, and a big part of the decision is already made here: WordPress with a ready-made template can cost a few thousand, while a dedicated web application will easily pull in tens of thousands. Simple HTML keeps costs low, but modern frameworks (React, Vue) offer other options and require a different amount of work - it's not just a technical choice, but a business one. CMS also matters: Drupal often requires more work than WordPress, but on the other hand it offers greater scalability, which for some projects can be essential.
Hosting and infrastructure are costs that many customers underestimate. Shared hosting for ~£20 per month is enough to get started, but a VPS or dedicated server is already orders of hundreds of zlotys. Then there's a CDN (e.g. Cloudflare), SSL certificates (Let's Encrypt or paid), backup systems - each element has an impact on stability and price. Online stores add other items: payment gateways (PayU, Przelewy24), warehouse systems, integrations with couriers (InPost, DPD) - these are real costs and integrations that cannot be ignored.
Maintenance is an ongoing expense. Security updates, database optimization, performance monitoring, premium plugin fees, SEO and analytics tools - it all adds up. I often see that by choosing the cheapest solutions, we save today and overpay later. The most expensive mistakes come from poor architecture planning: redesigning a poorly designed site can cost more than its initial creation. So, in practice, it's worth considering where to cut expenses and where to invest better - it's often a matter of priorities and a realistic view of the project's future.