1. All guns are expensive these days.
2. In the same condition, older will be more expensive than newer.
3. Short barrel will be more expensive than long barrel.
I think (underscore "think") the Terrier is built on the larger J frame starting with the 32-1.
I looked for a Terrier for several years. All I found were ratty guns in the $500-$600 price range. I went without one.
Then last year I saw one listed on GunBroker. Photos were not good but the gun looked nice from what I could see. Text described it as good condition. Starting price was $400 and I bid that amount (being that was my self-imposed limit). I was the only bidder.
What arrived was a revolver that appeared to be in new condition. No wear, no handling marks, nothing to show age at all. Serial suggests a 1955 build and that's the year I was born so some added cool.
Determine your max price, keep looking.
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