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You can do better. I’d get a miniITX form factor of your choice that supports a video card, but omit the card for now.
An amd with igpu might be decent for your needs today and slap a dgpu in later if your needs change.
It seems to me that mini ITX is small enough to cost a little bit more. The cheapest seem to be micro ATX boards.
Sorry for the unfamiliar platform, but here's a comparison I recently made for a friend looking to build a computer around the AM5 socket.
mini ITX: https://www.toppreise.ch/produktsuche/Computer-Zubehoer/PC-Komponenten/Mainboards/Mainboards-c140?sfh=oi%7Eongff605x18%3Asv98303%3A%3Aongff604x18%3Asv98483.sv112289%3A%3Aongff639x18%3Asv12534%2Bs%7Epa%2Be%7E1
micro ATX: https://www.toppreise.ch/produktsuche/Computer-Zubehoer/PC-Komponenten/Mainboards/Mainboards-c140?sfh=oi%7Eongff605x18%3Asv98303%3A%3Aongff604x18%3Asv98483.sv112289%3A%3Aongff639x18%3Asv8428%2Bs%7Epa%2Be%7E1
1 CHF = 1.25 USD, but of course prices are different across the continents, so a direct comparison would be difficult. I just hope the fundamental price difference between sizes holds globally.
mITX is more expensive but is smaller and has some other advantages.
Are there any advantages that are worth it for that budget range?
The only one I know of so far was short DDR traces and a reduction to two slots for extreme memory overclocking.
I think the packaging also leads to better audio quality due to inherently lower emi.