Over on yvoschaap.com, a really neat little project has been created that allows people with no coding knowledge to create their own semi-custom theme.
Here is the description text on the project:
This online generator will create your own unique WordPress Theme. Without need for any HTML, JS, PHP, or CSS knowledge.
Change the colors, settings, layout, preview live, click “save” and download your unique WordPress theme zip-file. Extract, upload, set, and you are done!
I think the live feature, allowing you to see the changes, as well as upload your own header images and whatnot is great. I highly recommend playing with this, but don’t blame me if you waste a whole day.