The short answer
A small business website is not a single standard product. Cost changes with the number of page types, the amount of content support, bespoke design, photography, integrations and e-commerce requirements. A useful quote should explain what is included and connect each cost to a business need.
What usually affects the price
Strategy and content planning often make the greatest difference to the final result. Bespoke layouts, copy support, custom photography, booking systems, product catalogues and data migration add work because they add value or complexity. Hosting, maintenance and future updates should also be clear before you commit.
How to compare quotes
Compare scope rather than headline price. Check how many unique pages or templates are included, who writes and supplies content, whether mobile and accessibility testing are covered, and what happens after launch. Ask how redirects, analytics and on-page SEO will be handled if an existing website is replaced.
A sensible budgeting approach
Start with the commercial job the website needs to do. A clear brochure site for a focused service business needs a different investment from a large online shop. Prioritise the pages and functions that support enquiries or sales, then plan optional additions as later phases rather than filling the first launch with weak content.