You should have a look at Affordic. Highly recommend them. They work with small businesses and entrepreneurs in situations just like yours. They do the development, design, hosting, and maintenance for a pretty decent monthly fee. They’re kinda selective with who they work with. They’re not for everyone. I’ve worked with them and I’ve had a very good experience. They like working with niche businesses. I’ve sent a few other people their way, but they ended up not taking them on as new clients. Not sure why. Never asked. I just know they are selective.
Check out Affordic they work with small businesses and entrepreneurs. Very affordable but selective on who they take on as a new client. Obviously, they aren’t free. But in relation to what the average agency charges for a new website. Affordic is very affordable.