I suppose it depends on the dealer. A friend of mine is a kitchen table dealer with a FFL. He pays more for guns than what they can be bought for at chain stores.

A man I went to school with owns a sporting goods store and I will occasionally buy a gun from him. He will usually lower the price for me about $75.

I went to GA a few years back and bought a new Model 686 for $140 cheaper than the local store wanted for it. Had it shipped to my local friend and the store paid shipping.