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Monterey M4 keeps an estimated 62% of its value after 5 years — #3905 of 5780 boats VINdown tracks. See the full curve and the best year to buy.
Per VINdown's modeling, the Monterey M4 retains an estimated 62% of its value after five years, ranking #3905 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 M4 sheds about 31% of its value in year one alone. From roughly $119,466 it falls to around $74,307 by year five — a five-year loss near $45,159, about $24.74 a day in depreciation.
Because the steepest drop hits around year 1, a lightly-used Monterey M4 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 62% of its value after five years — worse than most among the 5780 boats VINdown tracks (ranked #3905).
From about $119,466 when new it drops to roughly $74,307 after five years — a loss near $45,159 (62% 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.