Monterey 235 SS vs Sea Ray SPX 190: 5-year value retention (63% vs 63%), resale value, and cost of ownership head-to-head. Monterey 235 SS holds its value better.
On five-year value retention the Monterey 235 SS comes out ahead, holding about 63% of its value versus 63% for the Sea Ray SPX 190. Over the first five years the Monterey 235 SS loses roughly $39,082 while the Sea Ray SPX 190 loses about $20,988 — a gap near $-18094.
First-year drop is the biggest factor: the Monterey 235 SS sheds about 28% in year one versus 27% for the Sea Ray SPX 190. If you buy used, the steeper early drop is what the original owner absorbs.
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