Citylab has the story of the remaining private railroad cars in the US:
[Bob] Lowe is one of only about 80 people in the U.S. who not only own their own railcars, but are also certified to operate them on Amtrak lines across the country—a subset of a national subculture of rail aficionados who buy up old train equipment. In addition to individual private owners, historical societies, museums, and nonprofit groups also run train excursions in locations around the U.S. While some buy surplus cars, locomotives, cabooses, and other railroad equipment from brokerage firms like Ozark Mountain Railcars, others, like Lowe, purchase cars directly from independent sellers, usually hobbyists themselves who can no longer afford to maintain their collection.
Private railcars are still on the tracks, but their owners, already an endangered species, are now wondering whether the end of the line is approaching for this pricey pursuit. “Where the industry is right now, it’s a little bit dicey, because people don’t know what’s going to happen,” says John Radovich, a longtime railcar collector based in Dallas.
For this, they pay Amtrak $3.67 per mile (an increase from the $3.26 per mile as of last year, Lowe says). Any trailing cars after the first one run an additional $2.81 a mile. That doesn’t include the other expenses that go along with private car ownership. Each one of Lowe’s cars, for example, cost him about $150,000. His Colonial car was turnkey, but he put $50,000 into the Salisbury Beach car for maintenance and upgrades, including new brakes and electric heat, to make it Amtrak certified. If you’re a DIY collector on a tighter budget, a beater unrestored car, without electric power, can start at around $25,000. A fully restored one can be upwards of $500,000.
This is not to be confused Car 553, the last remaining private railcar in scheduled service, that has run on the Union Pacific North Line in Chicago for the past few decades. Membership in that club only costs $900 a year.