Howard Custom 28 SCS Closed Bow vs Monterey 305 SS: 5-year value retention (63% vs 63%), resale value, and cost of ownership head-to-head. Howard Custom 28 SCS Closed Bow holds its value better.
On five-year value retention the Howard Custom 28 SCS Closed Bow comes out ahead, holding about 63% of its value versus 63% for the Monterey 305 SS. Over the first five years the Howard Custom 28 SCS Closed Bow loses roughly $86,848 while the Monterey 305 SS loses about $90,715 — a gap near $3,867.
First-year drop is the biggest factor: the Howard Custom 28 SCS Closed Bow sheds about 7% in year one versus 16% for the Monterey 305 SS. If you buy used, the steeper early drop is what the original owner absorbs.
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