The most you'll pay for a .psd?

I can confirm Jon's sentiments. Designers who charge US$3,000.00-5,000.00 do exist. I've paid them, been paid for them, and I know others who do the same. Not only that, but when you combine it with a full service solution (e.g. the web development) and sell it to someone with money to burn (e.g. government organizations) you can get well into the US$100,000.00 price range and above.

These are quality designs, and medium-large size businesses, mind you.

Much different than vB skins, wp themes, etc. aimed at non-profit, individuals, and small businesses.