kimberst245,
"Afordable" is the problem. I've been where you are and it isn't easy finding a good IWB holster for any N frame S&W.
I'm not sure how far you're willing to go money wise, but I picked up a Mitch Rosen here on the board about 6-7 weeks back. I couldn't be happier. I sure wanted to go with a Milt Sparks, but for some reason feel the Rosen holster was actually even better suited.
I believe a lot depends on your body size/shape when it comes to IWB holster's and revolvers. I'm long bodied, but with short arms and a barrel chest. This makes it even harder for me to find a holster. If the holster is designed where the cylinder is inside the pants, you best factor that in when you buy pants. I don't really care for the holsters where the cylinder is above the belt line, inside or outside. It puts the grip far to high for me to do any rapid work with it.
Don Hume's at one time was making an IWB for S&W's. I picked one up for my N frame 4-5 years back. It has served me very well and didn't break the bank.
Lets face it, you can buy the lastest piece of plastic pistol and 2/3 rds of the major holster makers have an IWB ready to roll for it within weeks. Sadly, its hard to even find a decent IWB for a 4" K frame.
Murphy2000