re: Home Surveillance Price? Am I being overcharged?

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This seems a bit much.

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Definitely seems high. If the wires are already run, it is a plug and play change. Would take you an hour at the most to change out 6 cameras.

Here is a high quality NVR with 8 4k cameras for under $1000 - LINK . I've had a 16 camera montavue system for 5+ years. Only maintenance has been to replace the hard drive after about 4 years. There are other brands as well that should be in the same ball park. You could find nicer or cheaper systems as well, but they'll be nowhere near $3900 unless you're getting some massive pan/tilt/zoom cameras.