Welcome to the "New Sailors Club".
1st, let me say, there will be quite a few people who will much more intelligent advice that I, but I'm throwing my $.02 in anyway.
First of all, 10k is a nice budget for a 1st sailboat budget and you should have a lot of options. Take your time, study, ask lots of questions and get as much assistance/advice that you can. A person can spend 10k and get a great deal, or the same person can spend the same amount and purchase a nightmare. You say this is your 1st boat to own, so it would be most advisable to make sure you get a 'survey' before you purchase anything. For a few hundred dollars, and 3rd party professional will inspect the boat from top to bottom and point out all the areas of concern and even give you a rough idea of what will be involved in the repair/upkeep. Second, revisit the 1st advice and get a survey before your purchase (lol). I can't stress that enough as many boats will look great on the surface to the untrained eye only to be found hiding a myriad of problems, some even fatal. And again, don't forget it's a buyer's market still. You're the one in control so if someone hits you with a , "Well, I've got 3 other people looking at, so you better hurry". Kindly nod, thank the person and move on!
As to the expected yearly maintainence costs, a lot of that is variable in that we don't know what you're expecting. For instance, can you do any or all of the repair work yourself or will you be using a "Yard" or professional for hire to do the routine and the repairs? Those are two entirely different figures with a large gap in them, keep in mind.
It's good to see that you at least know that there will definitely be an annual expense to owning this 1st one of yours. That's a nice start. But, since you said it's the 1st, keep in mind there's nothing wrong with going even smaller and less expensive while you learn to sail/own a boat/etc. and then take your time knowing what you like/dislike, want/don't want, must-have, can't-live-without, etc. Good luck and keep us informed of the process.
Oh, btw, the rule is simple; pics or it didn't happen!