I'm not prepared to buy a house yet, so I tend to live in apartments, and they don't always have washers and dryers. Some have those front loading stackable washer and dryers, which are okay I guess, but typically combo washer dryers don't hold very big loads, not like those commercial coin operated types, so I have to spend more time doing laundry or do it more often.
Probably most apartments don't come with washers and dryers in them, so you have to use their laundromat, if they have one. I suppose when your trying to save money, there are many things you may have to do without. But I'm doing better financially now, so I'm a bit more picky about things I want, like washers and dryers, dishwashers, built-in microwaves and other similar appliances. After all, when you work hard you deserve a little pampering, right?
If you are moving into an apartment that does not have them but already has hook ups, you can always get a discount on cheap refurbished combination washers and dryers. If they are portable enough, you will likely want to take them when you move, but if you have to move in a hurry, or they are a hassle to deal with, you can always find other used washers and dryers.
While brand new fancy ones can be expensive, you can always find affordable washer and dryers, either wholesale or used. You'll want to ensure they're in good condition before you buy them, though. But there are some small business owners that fix them then make a profit by putting the washer and dryers for sale. They usually will even give you some sort of a guarantee with them. Don't expect used washers and dryers to last for an eternity, but this is a great way to get them cheap and they will probably do just fine in your apartment for a quite awhile.