* multiple rambling observations *
The situation can be different in Free America , from those jurisdictions with additional State Licensing for Dealers, and additional State procedures. Lots more paperwork for dealers , lots more time interacting with customer/ transferee , lots more paperwork to maintain and store , and need to provide secure storage for said firearms during the waits involved ( aka Gun Jail ). In one state , during the 2013 buying panic customers wiped out the entire instock inventory is a matter of days, so everything was transfered in. As sales volumes went up , the ( Gov't agency handling such matters) got slower and slower , until the waiting period of days , turned into multiple months. Dealers increasingly had to cut off accepting transfers because they had hundred , if not thousands of guns backed in in "Gun Jail" , and physically ran out of space to stack them.
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Quasi-average rate locally is $50. $35 is bargan , and $75 and even $100 is out there. And of course distance and convience have to factor in , and are probably more impportant than +/- 10 or 15 dollars.
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Heck , I prefer to be able to have a prospective purchase live and in person in my hand. If a dealer has multiple examples , I have been known to examine several to select the best trigger/ fit overall. If one is interested reasonably common , currently produced firearms ( ie likely to physically be on local shelves) , you have to mentally factor transfer fees and shipping together with those low, low advertised prices from SGN or the internet. Somewhere +/- $100 would be the tipping point.
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Physical Gunstores , with a brick and mortar location , and physical inventory are Good Things. They can't pay the mortage/ rent , utility bills, fight with state and local gov'ts to open/ stay open , put cloths on his back , or food on his children's table for free. Or by $20 transfers.
Maving a decent selection of mdse in stock requires a cunck of capital , or expense of revolving floor plan.
And yes , I have multiple time purchased guns that I didn't know I wanted , until I actually handled them .