For affprdable - Cozumel, Mostly boat, mostly drift diving. Some good resort options in/near town and lots of dive operators to choose from. Also sometimes you can save $100's by doing the bag-drag from Cancun - you take the bus to the ferry and back - other times it's almost as cheap to fly direct. From your area there might be a travel aggregator for the flights - there is one out of Chicago I'm aware of. See our Cozumel forum for details.
Roatan's West End will be more expensive to fly into but can be dirt cheap once there. 10 boat dives are about $350 now,, there;s a lot of very inexpensive housing options - including a decent hostel - Chillies which also has it's own dive operation - Native Sons. All due respect to KathyV but AKR is not a budget option. Plus it's isolated - about 10mins. drive from anything not located there to the West End. See our Bay Islands forum for more info.
There's lots of $40-50/nt. small apts - many with kitchens even at that price and local food can be everything from roadside stands to some of the nicer restaurants on the island.There's at least a dozen boat dive operators in the area - we used Coconut Tree Divers ,mostly - they also a a good genenral area info page on their website with options -
#1 Roatan’s PADI scuba dive center on Trip Advisor | Coconut Tree Divers | Honduras
It will cost you $25 from the airport to the West End and from there you can literally walk to everything - we did all week except for a couple of excursions. The most I paid for a cab was $20 to go across the island to the south side - twice.
Also for a change, head over to West Bay Beach - aeguably the nicest one there. There's resorts/restaurants beachfront. It's a $2 water taxi ride over till a little past dark but take a cab back if you stay later as the road between the two has had some robberies in the past.Either area is tourist level safe though.
Assuming you'll be solo, somewhere like Bonaire makes less sense since most of the waterfront dive resorts have single supplements.Plus shore diving with a buddy(ies) is really the optimal setup there - they even rent 4dr. trucks in most dive pkgs.It is really excellent reef structure but mostly small stuff. See the Bonaire forum.
Lastly there's the Cayman Islands but it's
very pricey there for everything. Flights in are probably competitive but rooms are high, food is high, boat dives are often over $100 for two dives and you'll need a car to access the shore dives as they're spread all over the island., It is really excellent deep wall pristine coral reef diving with about 400 named dive sites - you'll see just about everything there that lives in the region.
www.cita.ky has info on all of it.