For a photographer's website, being able to upload, edit, and annotate images without the aid of a "web master" is a key requirement. There is also a need to add and edit statements, perhaps a bit of blogging as well. For this, there are several web frameworks available that should be relatively inexpensive to customise. I've been playing around with Django and found it quite capable for my needs.

Someone with experience of Django should be able to have a basic website up and running in less than an hour. Customising the look & feel would be two or three hours (a day at most).

If you also want some eBusiness built in to sell images, that could get expensive..