The major hidden cost that I've found is with the electric bill. This will depend largely on how much lighting you need. If you have a reef tank, I would strongly recommend metal halide lighting to get the intensity that you need for a lot of the corals. For fish only, you can get by with fluorescents and less intensity.
As an example, I have a 120 g tank that is currently FOWLR but to which I am going to start adding corals early next year. I have 2 x 400 W MH lights + 2 96 W VHO actinic lights - almost 1000 W of total lighting. The MH lights put out so much heat that I had to invest in a chiller - which uses electricity. I also have cooling fans in the hood that use electricity, and a clamp on fan on the sump.
All in all, my electric bill has gone up almost $100/month since I've set up the tank. It should drop in the winter since I won't be running the AC (I live in Florida), and the tank itself should actually help warm the house.
If I was not planning on getting corals, I would have gone with only fluorescents (maybe 400 W total), and would not have needed a chiller, and either reduced or eliminated the cooling fans. This would have saved considerably on my electric bill.