Monterey 238 SS Surf Package keeps an estimated 66% of its value after 5 years — #3068 of 5915 boats VINdown tracks. See its full depreciation curve, cost per day, and best model year to buy.
Per VINdown's modeling, the Monterey 238 SS Surf Package retains an estimated 66% of its value after five years, ranking #3068 of 5915 boats we track. That is 3 points above the 62% five-year average for Cruiser in its class, so it holds value better than most rivals.
Most of the loss lands early: the Monterey 238 SS Surf Package sheds about 7% of its value in year one alone. From roughly $97,451 it falls to around $63,830 by year five — a five-year loss near $33,621, about $18.42 a day in depreciation.
Because the steepest drop hits around year 1, a lightly-used Monterey 238 SS Surf Package 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 about 66% of its value after five years — worse than most among the 5915 boats VINdown tracks (ranked #3068).
From about $97,451 it drops to roughly $63,830 after five years — a loss near $33,621 (66% retained).
Around 1 year old: that is just past the steepest depreciation, so you skip the biggest drop while the value curve is flattening.
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