Hi! I'm also in Houston and the going rate in and around Texas seems to be in the $1800-$2000 range. That's pretty standard across the US now although I've seen a few reputable breeders in OH around $1500 still. I totally understand where you're coming from-it's a lot upfront. And I had a similar viewpoint several years ago when I got Ryleigh. I was in an apartment and single and since I knew I wasn't going to be considered for a conformation dog at the time so $2000 for "pet quality" seemed like a lot.
Now that I've been on both sides, I can tell you it's 100% worth spending more upfront for a truly quality breeding. Ryleigh's still a great pet and I've been lucky with the health issues but you really get what you pay for as far as looks, temperament, trainability, etc.
There's a lot that goes into the breeding and the cost-artificial insemination, fertility testing, earning championships and other titles, all of the clearances (many on a yearly basis), c-section, time off work, possibly loads of time spent hand feeding if something happens to the mother, food, supplements, supplies, shots, meds, wormers, etc. Here's a link to kind of give you a feel of everything that goes into it:
http://www.vintagegoldens.com/pdf/breedingcost.pdf
Honestly, I don't think you can even find a golden with all the clearances for $1100 in our area-many of the BYBs and mills even charge that much without a single champion or clearance. I think rescues in our area are roughly $300.
I also didn't realize the true importance of all the clearances until more recently. Something like 12.5% of goldens will end up with elbow dysplasia with clearances-to me it's worth a little more upfront to hopefully minimize those odds.
Here's a link to our referral list and it's a good starting place. Canam has a litter on the ground, mostly performance and not sure if they're all placed. She normally prices hers in the $1500-$1800 range. I'm sure there are others as well. Also, they're all friends and connected and often know of other people around Texas with litters. There are also a lot of great breeders around Austin and Dallas and you can look at their local groups for more referrals.
GHGRC