You are in luck. The Blackhawk A.R.C. holster pictured below should fit any double-stack XD or XD Mod.2. My .45 ACP XD Mod.2 with a 4" barrel fits with what looks like 1 inch to spare, so it should work for your 5-inch model. Palmetto State Armory is clearing them out right now for $9.99 on their website (UPC 604544617825, SKU 77932532).
I am not a gear-snob, but I have always believed that you get what you pay for. I never purchased Blackhawk products in the past because I considered them to be a bargain-bin Walmart brand. I recently lucked into a job dealing with purchasing contracts for a mid-size law enforcement agency, and manufacturers frequently send product samples for testing purposes. I tested the A.R.C. holster for my Glock 48, and was surprised to learn that this $20 msrp holster comfortably held the 48 closer to my body than several much more expensive holsters I have purchased. The Blackhawk also printed less than the more expensive holsters, while offering good retention and completely covering the trigger guard.
Up until this year, I never thought I would be recommending a Blackhawk holster over pricier brands. I cannot vouch for other Blackhawk models, but the A.R.C. IWB series are a tremendous value. I feel it is necessary to disclose that I have never worn this particular model, but that is only because I don't carry an XD as my EDC. I did purchase one when I saw the PSA sale, just because it was a great deal and I was impressed by the Glock 43/48 holster that I wore for testing. I can assure that I wouldn't have spent my own money on it if I didn't think it was a quality product.
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