I look at how expensive my cell phone bill is and I have a backup landline that only costs me ~15/mo. and I wonder if the first users of landline phones in their homes paid as much (in their time's dollar value) as we do for our wireless phones.
The rates varied wildly and a lot of it depended on if you had service from the Bell System or independent providers usually limited to smaller towns. There's an article from The New York Times, March 26, 1899, p. 18 that discusses pricing of that time. They list an average price of $36/yr for residential service in Bell areas. In today's dollars that's about $1000/yr so around $80-85/month. It does say that in some of the larger cities telephone subscription rates can be as high as $240/yr or $6600/yr today. The author doesn't say what city that is unfortunately however I found an earlier article mentioning that $240/yr price on March 24, 1892, p. 5 in an article titled "The Telephone Extortion". That gives you an idea about how many people felt about the Bell System monopoly at that time.
As a comparison, in cities outside of the Bell System rates could be as low $12/yr or $330/yr today. Also keep in mind that at this time we're still a bit early for true intercontinental long distance calling. Many places were still isolated, especially smaller cities. So your service in a small town with lower rates didn't give you many people to call. Though in those days you probably didn't need to do that much.
The first intercontinental phone circuit was established by AT&T in 1915 and calls were very expensive. Unfortunately I can't find it right now but I have an advertisement from 1929 that gives prices for a call from New York City to San Francisco as $9. That's $9 for three minutes which is how it was billed at the time. That works out to about $40/minute today!