A seller (from ebay for example) always tries to make money, logically, so those prices always have a profit margin added, not counting the shipping costs that are usually very high (so that the price of the coin seems lower).
When I do a swap, I do not intend to get more benefit than exchanging coins for a similar value and making a balanced change, so I never use ebay prices but from catalogs such as Numista, Ucoin, Krause or even auctions. I also use, logically, the price that coin has cost me if I have bought it in my usual stores or suppliers (which I assure you are much cheaper than ebay).
Coin referee for: Andorra, Equatorial Guinea, Marshall Islands, Moldova, Liberia and Spain
Banknote referee for: Andorra, Equatorial Guinea and Spain