Without going for a used bike you'll likely have to get something custom to have it fit like a normal bike without a ton of spacers, new stem, new seat post etc... etc... etc... I'm 6'2" with 37" legs, and in the long run I decided to bite the bullet and get a Rivendell (dodges). The Trek 520 (higher than your state price range but you might be able to find one on close-out) comes in a 25" (63.5cm) frame that felt pretty close to right for me, so that size or a size smaller would probably work great (if you can find one on close-out).