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Monterey 235 SS keeps an estimated 63% of its value after 5 years — #3717 of 5780 boats VINdown tracks. See the full curve and the best year to buy.
Per VINdown's modeling, the Monterey 235 SS retains an estimated 63% of its value after five years, ranking #3717 of 5780 boats we track. That is roughly in line with the 62% five-year average for Cruiser in its class.
Most of the loss lands early: the Monterey 235 SS sheds about 28% of its value in year one alone. From roughly $104,497 it falls to around $65,415 by year five — a five-year loss near $39,082, about $21.41 a day in depreciation.
Because the steepest drop hits around year 1, a lightly-used Monterey 235 SS bought at 1 year old lets the first owner absorb the worst of the depreciation while the curve flattens — usually the value sweet spot. Explore the full year-by-year curve, trims, and true cost of ownership in the Model Lab above.
It keeps an estimated 63% of its value after five years — worse than most among the 5780 boats VINdown tracks (ranked #3717).
From about $104,497 when new it drops to roughly $65,415 after five years — a loss near $39,082 (63% of its value retained).
Around 1 year old: that is just past the steepest depreciation, so you skip the biggest drop while the value curve is flattening.