Our own experience on our team is typically
$3000-$5000 per year plus all dog related costs - we have to cover our own team liability insurance which adds another $100 per year per member.
Everything you do is typically NOT reimubrsed unless you are on a FEMA team and on a FEMA call.
That means your PTO (most of it winds up used for SAR either training or callouts or both)
But it is all going to vary a lot
Go to www.nasar.org
and look at the contents of the SAR pack - most teams want you to have all that equipment.
-typical classes-all this will come out of your pocket:
NASAR SAR III, II and related tests (some states do their own thing)
Blood borne pathogens
Crime Scene preservation (must be taught by LE)
K9 testing and Certs
FEMA ICS 100,200,700,800,(all before you hit the ground) and a new one the number escapes me right now for ESF-9, SAR. 300&400 for some.
Criminal background check (most teams require, run from one that does not, we require FBI fingerprint check)
Al your FEMA training can be pretty much done free and online (except for ICS 300&400 which needs to be in a class)
Have you talked with a team - it really really does vary.
Time investment - one or a half day of most weekends and a few weeknights a week has been mine.