Walmart offers the Mainstays Harvest Bedding Full / Queen Comforter Set
in six colors (Rich Black pictured) for $20
for shipping. (Free Site-to-Store is also available.) That's the lowest total price we could find for a comparable set by $21. Sales tax is added where applicable. It includes a comforter and two shams.
Of note, it's available in king size for $25 plus $2.97 for shipping.