Sounds like your "customer" is expecting to pay a fair price for her request. I sold 2 appliqued baby quilts 36 x 48 for $150. + the cost of the fabric...It was too low. I'm in West Tn....not too far from you.
I think you should price it so that you are NOT in that "stick a flyer on a wall in the grocery store saying you'll make a queen quilt for $300 bucks" category. Your quilts are not that kind of quilt and that is NOT what your customer is wanting to buy. Price it at least $12-1400 and if she doesn't want to spend that....its fine...at least your work isn't being devalued. Don't let that happen.