A couple of neighbors have in-ground versions, as far as I know, maintenance is the same, $75/month from T&D pool and Spa. As for long term maintenance, aka pump replacement, etc., IMHO in-ground hot tubs will probably be more expensive as the equipment is harder to get to. No idea on the installation costs, will need input from others.
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Pennsylvania, for 60+ years, most recently, Allentown, now TV. 
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