An art gallery is not a flea market. It is not a good idea to throw a number out there because one man's respectable offer is another man's insult. Instead, say something along the lines of "I really like this etching, but it's a little out of my price range. Can you work with me on this?" Because you a first-time buyer who is buying one piece, it is unlikely that the gallery will give you a discount. I think it is quite possible that they will offer to let you pay off the piece in monthly installments, and pick it up once you have completed the payments. Good luck. Thanks for your advice, I definitely see how any offer I make could be insulting. Do you think I could say, "I really like the etching, but it's a little out of my price range... are you at all flexible on your asking price?" That way, it's more on their terms. Seems less... imposing. It's not so much that I can't afford it (so installments aren't necessary), it's just that I imagine I could get it cheaper at auction. That said, I don't want to wait 5 or 10 years for another to come up at auction (edition of 30), so if there's no way to do so, I'll probably just bite the bullet. I guess the gallery premium is justifiable for that exact reason.