I can't speak for the rest of the US, but I have a family of 4, and we pay maybe $50/mo for our water bill, so maybe $600/year. More than the German average, but not egregious. Relative to a lot of other countries, the US is kind of more like strong union of a bunch of countries (states)-- each with unique environments and ecosystems-- than it is like a united, single country. So, you can say: "Americans are like ___", and you can almost certainly find a spot in the US where your statement holds true.
As for costs, the US has wildly variable costs on most things, depending on where you live. For example, I pay $1.50 per gallon for gas, but one state up, it's above $2.00. I live in a comfortable house, and pay less for my mortgage + taxes than folks in New Jersey pay just in taxes on a smaller house. This variance is a side-effect of a more decentralized governmental system where states have a lot of power, combined with a wide variation in environments / scarcity across the country.