Once the cryptocurrency bubble pops eventually (fingers crossed) then GPU prices should show some semblance or normality in their pricing.
If you absolutely don't want to wait, then for performance, you really can't go wrong with a GTX 1080 or GTX 1080 Ti off of Ebay, I have been keeping an eye on them lately and people seem to be skipping over them a little more often (because they are 2 generations old) than the RTX type of GPU which is more recent and most popular for the brand: NVIDIA. The GTX 1080/1080 Ti are amazing cards and still outpace the majority of cards that people play on today, and if you just watch the postings and happen upon a lucky "Buy it Now" from someone who doesn't know the current market or even find a nice low bid, I've seen those cards go for as little as $300 on a "Buy it Now" and maybe $400 - $500 for bids.
For an entry VR graphics card (keeping in mind the current climate), I would recommend a card called the GTX 980 Ti which is another generation older but still satisfies the recommended requirements (not just the minimum so you're getting a decent experience) and can be bought for a reliably cheaper price.
In the new lineup of cards available, the GTX 1080/1080 Ti can still keep up with more recent (lower tier) cards in terms of performance despite its age. GPU performance increases haven't actually been as extreme as people seem to think because years-old top end cards are now cheaper than their MSRP even in these extreme chip shortages going around.
Top performance you could hope to find: GTX 1080 Ti | GTX 1080 $500-$950
Medium/Top performance you could hope to find: GTX 1070 Ti $450-$650
Cheapest actually DECENT performance you can find: GTX 980 Ti $300-$450
I know this is a ton of confusing information for a beginner so I'm happy to answer any other questions you might have!
Hope this helps! :)