I was wondering how much over spot a person should expect to pay for silver?

I know that a lot of people say that they pay close to the spot price at local dealers - I seem to have no luck finding local dealers interested in selling anything.

Is there a percentage calculation that works for coins as well as silver bars? The kitco website seems to have good recommendations for silver coins but I can't seem to find any recommendations for silver bars.

As an example, I've noticed that 1 ounce silver bars seem to be going for around $22.00 (on ebay)when spot price is $19.00. Is this a good price?

Thank you.