I feel the best option is to search around on eBay, Craigslist, marketplace, etc. and find one that is in “almost perfect playable” shape and expect to do a small repair, of which you can find help here. That repair could be a worn gasket, several missing reed leathers, maybe new straps. I don’t know the market in your area, but it can be rare anywhere to find a used accordion at a decent price that’s “ready to go.”
Another option is to go with a reputable store, like Liberty Bellows, on the east coast. It’s a haul from you, but there is Amtrak and Uber. There you can at least try some decent accordions and have back up. You could also consider ordering a used one from there.
New accordions are indeed expensive, and sometimes even need a small tweak after shipping, but can give years of trouble free operation.
Worst comes to worst, take a drive through beautiful Canada and come out here to Wisconsin where I will give you one.