Hi kyleppil,
Latex is generally cooler than the polyfoam in the pilowtop you are probably sleeping on at the moment (it is the coolest of the 3 types of foam which are memory foam, polyfoam, and latex and Talalay is the coolest of the different types of latex). Of course the sleeping temperature of a mattress depends on other factors as well (see post #2 here).
The better options or possibilities in the general Philadelphia area I’m aware of are listed in post #4 here. Another member also has posted in this thread about some of their Philadelphia experiences which may also be somewhat helpful.
I would call the ones you are considering first along the lines of this article to get a sense of their knowledge, service, and transparency before I spent any time visiting them.
With your lower budget … you will encounter mostly innerspring/polyfoam mattresses so it would be particularly important to make sure you know the thickness and quality of any polyfoam layers. I would also tend towards a two sided mattress if you go in this direction because it will be more durable. You can see an example in the PS at the end of post #2 here of a mattress made by a local manufacturer who “knows his stuff” that would be in the lower budget ranges yet still have great durability. These are the types of outlets I would focus on if there are any close enough to be worth visiting.
Phoenix