Both the Monterey 244FSX 2013 and the Monterey 400SY 2012 are deep-V designs, both built in fibreglass, so the buying decision usually comes down to a handful of practical questions: how many people are you putting on the water, how far do you trailer, and what does your tow vehicle weigh?

Size is the most obvious dividing line here. The Monterey 400SY 2012 measures 41,0 feet overall (2012), giving it roughly 17,0 additional feet of deck space compared to the Monterey 244FSX 2013 at 24,0 feet (2013). Weight tells a clearer story for trailering families: the Monterey 400SY 2012 tips the scales at 22 000 lbs - 17 700 lbs less than the Monterey 244FSX 2013 at 4 300 lbs. That difference is meaningful if you're working within a half-ton or three-quarter-ton truck's tow rating, especially once you factor in a motor, gear, and fuel.

The power gap is worth calling out. Rated to 435 hp, the Monterey 400SY 2012 has a 115-hp advantage over the Monterey 244FSX 2013's 320-hp ceiling - enough to notice on acceleration and at cruising speed, particularly with a full passenger load. Fuel capacity breaks the other way: the Monterey 400SY 2012 carries 330 gallons versus 62 gallons in the Monterey 244FSX 2013. On a lake day that's negligible, but for coastal cruising or long reservoir runs the extra range matters.

The Monterey 244FSX 2013 is rated for up to 1 people. Passenger data for the Monterey 400SY 2012 wasn't available.