When you say 'concert grand', do you mean what most pianists mean by that - i.e. a full-size, 9ft (270cm) instrument? It won't half dominate your room and you'll not necessarily hear it at its best. There are some very fine instruments in the 6ft6 to 7ft9 (200 - 240cm) range: you could almost certainly get something really good brand new around that size (not from the very top makes, i.e. Steinway, Fazioli or Bösendorfer but brands like Mason and Hamlin, Bechstein, Blüthner etc. should meet the bill). Personally, I'd look for second-hand, as with a budget like that you'll gave dealers falling over themselves to offer you fine instruments from all the top marques.
You say you're a beginner: if your husband isn't an experienced pianist, for heaven's sake take either a professional player, or a good technician, with you to look at any instrument you're serious about. You can get some fantastic bargains (I got my dream grand recently for less than some of my friends spend on dining out in a couple of years) but you do also find the occasional turkey on sale.