Monterey 295 SY keeps an estimated 54% of its value after 5 years — #5728 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 295 SY retains an estimated 54% of its value after five years, ranking #5728 of 5915 boats we track. That trails the 62% five-year average for Cruiser in its class by 8 points, so it depreciates faster than most rivals.
Most of the loss lands early: the Monterey 295 SY sheds about 9% of its value in year one alone. From roughly $165,686 it falls to around $90,133 by year five — a five-year loss near $75,553, about $41.40 a day in depreciation.
Because the steepest drop hits around year 2, a lightly-used Monterey 295 SY bought at 2 years 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 54% of its value after five years — worse than most among the 5915 boats VINdown tracks (ranked #5728).
From about $165,686 it drops to roughly $90,133 after five years — a loss near $75,553 (54% retained).
Around 2 years old: that is just past the steepest depreciation, so you skip the biggest drop while the value curve is flattening.
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