We are also in a rural southern town and we have a lady in a nearby town whose prices are similar and she has always done a great job. If it is a custom quilting job, she charges $125 for a queen size. She has done about 20 quilts for me. There are those who do it for the love of quilting and do not want to make a living out of it. I can understand charging more if you are trying to pay for an expensive machine or want to enter it in a show. My quilter has a 12 ft, $15,000 Gammill but got it for her own quilts and just does it as a past time. Good luck. You might want to try a small baby quilt and see if you like their work.