If money is tight, Sig may not be the ideal gun. I work at a gun shop/shooting range and our factory refurbs still range $550-900 depending on the model, and that is cheapest price in town. Consignments aren't much less... Mind you, the quality of Sig Sauer is impressive, and many of the guys I work with swear by them. The 226 in .40 is also the duty weapon for the local police officers here.
Let me ask first why you would want to avoid 9mm if money is tight? If you are plinking, 9 is much cheaper. I am assuming it is because you want a home defense weapon in which .40 has really proven itself to be the practical ideal, readily available and affordable cartridge. In terms of reliability as a defensive weapon, I recommend Glock to anyone and everyone who can understand and follow gun safety, and does not mind the lack of an external hammer.
Now don't get me wrong...I love the 9mm and it is indeed a good defensive round when chambered up with a winning hollow point, such as the Golden Saber Bonded +p, Federal Tactical HydraShock +p, Hornady XTP, Corbon Powerball, Winchester Black Talon/SXT/Ranger, all usually in 124 grain as it gives good muzzle velocity and force, but does not over penetrate too badly. Mind you, my shop carry has recently changed from a G19 (9mm) to a G23 (.40) chambered in 180 grain Federal Tactical HydraShok simply because the ballistic performance of a .40 is superior to a 9mm, .45 ACP, .357 SIG. .357 Magnum, .38 Special, 380 auto, etc which is partially why it is the number one law enforcement cartridge by a landslide.