S.R.
I agree that your little one is not too little for a kitchen set. If she isn't ready to play with it yet, she will grow into it. My 2yo loves to 'cook' she is always running off with my bowls and spoons.
If the cost of a new kitchen set is over whelming, check out your local second hand stores. They tend to be more expensive than garage sales, but cheaper than brand new. I know that Once Upon A Child carries large items like that.
Best of Luck