Monterey M45 keeps an estimated 57% of its value after 5 years — #5468 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 M45 retains an estimated 57% of its value after five years, ranking #5468 of 5915 boats we track. That trails the 62% five-year average for Cruiser in its class by 5 points, so it depreciates faster than most rivals.
Most of the loss lands early: the Monterey M45 sheds about 28% of its value in year one alone. From roughly $122,870 it falls to around $69,913 by year five — a five-year loss near $52,957, about $29.02 a day in depreciation.
Because the steepest drop hits around year 1, a lightly-used Monterey M45 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 57% of its value after five years — worse than most among the 5915 boats VINdown tracks (ranked #5468).
From about $122,870 it drops to roughly $69,913 after five years — a loss near $52,957 (57% 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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