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There is a long history of SF novels about interstellar free traders eking out a marginal existence on the fringes of the huge trader corporations, from Andre Norton's Solar Queen novels to the Space Angel series by John Maddox Roberts.
Go to The Tough Guide to the Known Galaxy and read the entries "ECONOMY", "FREE TRADERS", "PIRACY", "REPLICATOR", "TRADE" and "TRADE FEDERATION".
A cargo jet can carry 50 tons so its purchase price is about million per ton of cargo capacity.
Assumption: starships are strictly orbit-to-orbit, they use space ferrys to transfer passengers and cargo between the starship and the planet.
You can alter some of the assumptions yourself to tweak the economy to suit your science fictional background.
If people living on planets want to engage in interstellar trade, they have to go through the thalassocrats.With creative maintenance, the service life might be longer than 30 years, see below.Question: how many cargos can a merchant starship carry in 1 year?Assumption, average of 1/2 of retail price goes to shipping cost.Therefore the minimum price of interstellar imported goods are 0 per kilogram.