Photoshop templates are great because you can customize them and code them into a regular HTML/CSS site or WordPress site.  In addition to customizations, premium PSD templates in very inexpensive.  You’re paying for the designers creativity layed out in a file that you can manipulate.  Below are some super templates via ThemeForest that you can purchase for cheap but still have an expensive taste.

Vibes

Creato

Landscape Design Drawn

Utopia

Portfolius # 2

Webpoint

Cart

Milky White

Idea Business Shop Blog

Paper Business

Digital Art

Folio Web 2.0 Style

Clean Website

Bohio Studio

BVD

DotMe

Retro

Impact

Pro Design

Atlantica