Depends what you're shooting...
In a combat/defensive handgun, benchrest accuracy is around 2-4" at 25yds.
For defensive shooting, the VAST majority of shooting is within 10yds. (How often are you going to shoot inside your house to defend your family at more than 30ft?) Most defensive shootings are between 0 and 5 yds. If you're shooting "defensively" out past 25yds... 1) You ain't hittin' sh__ with rounds coming your way!, and 2) it'll be really hard to defend yourself in court!!! Distance is your best defense. If you're already 25yds out, make it 50 quick, unless you're cornered.
I do the majority of my defensive training at 7yds. I've been shooting for years, and I shoot at least once per week. My slightly custom XD45 will shoot 1.0-1.5" groups offhand at 7yds, and 3 inch groups at 10-15 yds.
Most of the people shooting at my range are lucky to group inside of a FOOT at 7yds. They are lucky to hit the paper at 15yds.
I'd say that a nine inch circle at 15-20 yards is MUCH better than most. By comparison, competition bullseye shooters, at 25 yds, typically shoot 3.0-3.5" groups!!!
At 15 yrds, I'd guess I average 3-5" groups slow fire... 5 rounds in 10-15 seconds. Breathing and squeezing.
My best gun is a XD45 with a Springfield Custom Shop Competition Trigger Job, at 3.5#, with a shortened length of pull, overtravel stop, and almost no uptake. This one will do 3" at 15yds.
My little XD9SC carry gun will shoot 2 inches at 7yds, but I rarely push it past 10yds.
My KelTec P-3AT will shoot about 4" at 7yds.
If you want small groups...
1) Dry-fire 2-4 nights per week. I usiually dry-fire for 5-10 minutes.
2) Shoot live ammo at least once a week, and work outward from tiny groups at 7yds, to 10yds, to 15yds, to 20. Confidence builds.
3) Get a quality 22 Pistol (Buckmark, Ruger), and tweak the trigger to feel as much like your center-fire gun as possible.