1Password works (or worked) without use of their servers by storing datastore on 3rd party cloud, which incurred no costs to them.

5/month to store 1kb of passwords

No. $5/mo to manage my team's sharing of accounts.

I’m having a big problem paying monthly for a password manager . May have to just roll my own in swift

There's always KeePassX if they're still around.

There is no open source mobile alternative active or big enough to be properly audited/trusted.

KeeWeb.info - there you go. Open Source, $0.

I was using MiniKeePass but it was hard to keep sync.

I'm worried about using the hosted version of KeeWeb, also it doesn't seems as practical as a standalone app. But I'll definitely try to host myself (or use locally on the phone?) and give a try. Thanks.

Take a look at Enpass (https://www.enpass.io) it has a free desktop app and one off fee for mobile apps. I've been using it for tree or four months and it's been great.