The cheaper price of the settlements comes partially from benefits but also its less valuable land because you're under threat of counter attack. There's a premium on distance from those tensions within Israel. The settlers get benefits to move out. I'm sure there are plenty of ideological settlers that go so that in some potential peace deal they can grab up the land, but I'd bet a significant majority are poor or downwardly mobile and are attracted primarily to: the cheap rents and the subsidies Israel gives to settlers,
If you're not ideological and from America , you don't go to a settlement unless you're poor. You move to a regular neighborhood in Israel. It's just not worth the risk or the tension to be in a settlement if you can afford an apartment or house normally.