Every mic will pick up some keyboard typing, but cardioid dynamic mics are less sensitive than cardioid condensers. I use USB condensers. I have XLR dynamic mics, but they're not cheap, and so no personal experience, budget friendly model recommendation. Have you tried shopping for a good cardioid dynamic USB podcaster mic?
Th Audio-Technica [ATH-M50xSTS StreamSet](https://www.audio-technica.com/en-us/ath-m50xsts) is a headset with a great gooseneck cardioid condenser capsule, at the upper end of your budget. It's very sensitive, but you can lower the gain with the mic so near your mouth.
I like the Audio-Technica [AT2020USB+](https://www.audio-technica.com/en-us/at2020usb) even better. A-T says they both use the same capsule, but the AT2020USB+ seems to benefit from the traditional housing. It's also very sensitive, so if you're nor speaking right into it, up close, it's going to report all typing, fans running, etc. To keep it close, t's best to use it with a [boom arm](https://www.bhphotovideo.com/images/fb/O_C_White_14295_B_ProBoom_Elite_Microphone_Arm_557226.jpg).
A cardioid dynamic mic on that boom arm, kept close to your mouth. Maybe the [RØDE PodMic](https://rode.com/en-us/products/podmic?srsltid=AfmBOoqlusvecTtphqjjI7KaNaN8CwrOZWHRS3efgRcxgdxoxY_VEIjS), in XLR, [USB](https://rode.com/en-us/products/podmic-usb?srsltid=AfmBOorVZWOoNNM-WJPVgFgAEj8emClLYsAo8G1hgIoDoFc31u0IYOIN), or using an [XLR to USB adapter](https://www.bhphotovideo.com/c/product/1142054-REG/polsen_xlr_usb_48_xlr_usb_interface_48v.html?ap=y&smp=Y&srsltid=AfmBOoqoJ34hTpP0EXP1HbRhb40nnoRCsggd5vZCs0mPapVg4poM3er2t_E).
I started with the Blue Snowball a few years ago and it sounded OK.
I upgraded to the Audio-Technica AT2020USB+ Cardioid Condenser USB Microphone and it is much better.
I've been using an AT2020+ and have been happy with it. When my first one stopped working, I got a new one of the same model. There's a USB and an XLR version.
Shure also makes lower cost SM7B alternatives that include USB connections. For example the MV7 series has USB and XLR port options and costs a couple hundred less. While being similar in sound to the SM7B. (I have both an SM7B and original MV7). There also a version of SM7B (the SM7db) that includes a USB port, but it's more than the SM7B.
Personally I'm a fan of Audio Technica mics. (I have an AT2020USB+ on one machine)
Most of my students are online, so I deal with this a a lot.
For online lessons, you CAN use an iPhone for a lot. Android mics don't do so well. Webcam mics are generally terrible for singing as they are designed to pick up a wider field of sound than we want.
A USB connected condenser microphone is the most direct way to get this going, but you will likely have to re-buy stuff later if you get really serious. I suggest something like an AT2020USB. Large diaphragm condenser, 20Hz-18kHz+. These should run a bit over $100.
You will still need an arm to mount it on (not a regular mic stand to start)
If you are looking to do online karaoke and online lessons, look for something like an AT2020USB. If you are looking to do live karaoke then you want something like an SM58. The Behringer XM8500 is pretty darn close to the sound of an SM58, but it will require something to connect an XLR device to your computer, usually by USB. Something like a Behringer 302USB.
These are the cheapest ways I have found to get starting gear you won't hate in a year. Budget $100-$150.
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