on ur zip to some degree, plus sellers know the potential of the vehicle. In my area a 2000 sr5 4wd in 'good' condition (not excellent) gets $3,798 (wholesale) $4,593 (person to person) $6,026 (retail).
It is tough to find one under person to person price but possible - found mine between wholesale and person to person w/177k-no issues then or now. ebay is one possible source but you need to be familiar with that process and have lots of pics to review or be lucky enough its nearby. Patience is main requirement on your part, wait for it...
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2001 Limited 4WD - 346+K - SunfireRed\Thunder Cloud; - 265/75/16 Michelin A/T2s - Fat Pat's 1.5" BL - StopTech ANGLED rotors - In series 699 trans cooler, New Yota1 transmission, All new OEM suspension front to rear.