When you buy a handgun on-line in a state that you are not a resident of, you pay shipping to have the gun sent to a dealer in your state, you then do the transfer through your local dealer who usually charges a fee somewhere between $15 - $50. Your local wait time/delays etc will still apply.
So when you see a gun on-line, add another $60-$70 on the cost for shipping and FFL fee.
Sometimes it's easier, sometimes it's harder. If your local selection is limited, going the on-line route is the way to go.