I just sold a County Saddlery dressage saddle for $125 on ebay
so even good leather saddles (if you're willing to take some war wounds like scratches or other cosmetic sins) can be had for under $400 for sure.
I'm in the process of buying a trail type saddle and can't make up my mind to get an endurance or a western saddle. I'll be buying an Abetta since I will be riding it on occasion rather than regularly like I ride my dressage saddle.
Having a choice that covers the range of budgets and abilities is wonderful isn't it? I'd advise against buying something because of a name unless you're talking a Smith Worthington or a County or maybe a Bates. Then money talks and it speaks "quality."