I've got a VPS with Nextcloud and Photoprism running in a Docker container. If you're savy enough to set it up, including backups, it's a pretty solid option. Haven't needed to spend much time on maintenance since I originally set it up.
If you're looking for an option that's free as in beer, I've got no recommendations for you.
If you're looking for an option that's free as in beer, I've got no recommendations for you.