Microphone quality apart, it would be very difficult to make a useful home recording studio with just a USB microphone and a computer. This is because a USB microphone is effectively a microphone and audio interface all in one unit, and, while some USB microphones have a headphone output, there is no option to plug in a second or further microphones.

An exception might be if all you ever wanted to do was to record vocals over pre-recorded backing tracks, but it's a very limiting set-up that you would quickly get frustrated with. If you are serious about the "studio" part of your description, then consider getting a microphone that has an XLR connector, and a separate audio interface that plugs into your computer.

You should consider also budgeting for some acoustic treatment for the room you intend to use for recording in.

I'm with Boswell, the word "Studio" is way overused. There are so many bedroom recordists now ;)
USB mics are just enough good for gamers and podcasters. If you want to record signing and/or instruments, you are better off with a small recording rig like this :
https://www.sweetwa…

Establish what you want to record, how many channel at one time and the quality you are looking for.

For me, USB mics are a non-starter for one reason. You can't record two at the same time in most circumstances. how many times would being able to record a guitar and a voice or other combinations be useful? Loads I guess. One mic and an interface can be expanded. USB mic based systems can't. The Rode Podcast mixers are rather a unique product, and not really designed for recording.

Agfreed...

Far better to get a USB interface ann then use the mic. of your choice.