When I totaled my 1992 745 wagon ("Sally") I found myself in your situation. I was drug kicking and screaming over to the FWD world, ending up with 2003 V70, 5 cylinder, non-turbo, with about 155,000 miles on it. I immediately dumped about $1000 into shaping it up. All in all it has been pretty good. You sit a bit lower to the ground than a 240/740 but the ride is quieter and smoother than the RWD's, gets pretty darn good mileage (like 22/30), and is fairly peppy for a non turbo. If you get too late of a model, you will get a six cylinder which will cost you a bit in mileage but maybe you don't drive enough miles that it would matter. Don't fret over making a turbo vs non-turbo choice as long as you find a car that fills the bill otherwise. I would say that you probably don't need AWD in SC so personally I would avoid one - that is unless you run across one that is low mileage, works perfectly, and is too good a buy to say "no".

I did a search on Autotrader for 2003-2007 V70 and XC70 with 150,000 or less, within 300 miles of your zip code. Not sure how well this link will work. Happy hunting!

https://www.autotrader.com/cars-for-sale/Used+Cars/Volvo/V70/Madisonville+TN-37354?zip=37354&listingTypes=used&startYear=2003&maxMileage=150000&numRecords=25&sortBy=relevance&firstRecord=0&endYear=2007&modelCodeList=V70%2CXC&makeCodeList=VOLVO&searchRadius=300

If you don't want to play mechanic, you will not find a reliable car with less than 120K miles for under $5,000. Any car.
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Keeping it running is better than buying new

I don't see why a $5,000 budget shouldn't get you a decent 245. I don't know about TN but we visit our two kids in Winston-Salem a few times a year and I always check on Craigslist and usually see at least a few 245's between W-S, Charlotte and northern SC. Don't spend your entire budget on the car itself -- always leave yourself a reserve of 10-20 percent for the unforeseen repairs that will always be needed on a used car. Good luck with your search. -- Dave