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Monterey 328 SS keeps an estimated 58% of its value after 5 years — #5060 of 5780 boats VINdown tracks. See the full curve and the best year to buy.
Per VINdown's modeling, the Monterey 328 SS retains an estimated 58% of its value after five years, ranking #5060 of 5780 boats we track. That trails the 62% five-year average for Cruiser in its class by 4 points, so it depreciates faster than most rivals.
Most of the loss lands early: the Monterey 328 SS sheds about 8% of its value in year one alone. From roughly $217,088 it falls to around $126,345 by year five — a five-year loss near $90,743, about $49.72 a day in depreciation.
Because the steepest drop hits around year 4, a lightly-used Monterey 328 SS bought at 4 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 58% of its value after five years — worse than most among the 5780 boats VINdown tracks (ranked #5060).
From about $217,088 when new it drops to roughly $126,345 after five years — a loss near $90,743 (58% of its value retained).
Around 4 years old: that is just past the steepest depreciation, so you skip the biggest drop while the value curve is flattening.