Unfortunately, the price of everything goes up every year. Haven't seen any Win 94 for less than $475 at any gun show for years. What you are complaining about is the current market price. The market decides what guns sell for, not what you or I think they are worth.
So, unless you want to buy a total beater, made during the junk years of 63 thorugh 81, you are just going to have to choke it down and pay nearly $500. (Unless of course, you may get lucky and stumble upon one in better shape by somebody who wants to give it away.) Even the beater would cost you $350 or more. :-(
Two years ago, I walked away from a 94 at our LGS, with an asking price of $399. It was one that was made during the last years of production, with the rebounding hammer and a slide safety. The bore was perfect, and the exterior looked brand new, EXCEPT that the last two inches on the outside of the barrel had deep pitting from rust (How in the world did that happen? Maybe somebody put it away in a damp canvas case.) The owner had cold-blued over that.
Also, the trigger pull was horrendous. Must have been at least 9 pounds.
Life is too short for a pock-marked gun with an impossible trigger, so I passed it by. Store owner was PO'd, because I had stopped by to look at it twice. His wife told me later that "he was sure that I was going to buy it."