The Monterey 264FS 2012 vs Monterey 298 SSX 2007 comparison sits squarely in the category of decisions where specs alone won't tell the whole story — intended use, storage, and long-term ownership costs all factor in.

Size is the most obvious dividing line here. The Monterey 298 SSX 2007 measures 31,0 feet overall (2007), giving it roughly 4,4 additional feet of deck space compared to the Monterey 264FS 2012 at 26,6 feet (2012). At 54 lbs and 8 lbs respectively, both sit in a similar weight class — either should pair comfortably with most mid-size SUVs and half-ton trucks, though always confirm your specific tow rating with the motor added.

The power gap is worth calling out. Rated to 425 hp, the Monterey 264FS 2012 has a 105-hp advantage over the Monterey 298 SSX 2007'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 298 SSX 2007 carries 142 gallons versus 8 gallons in the Monterey 264FS 2012. On a lake day that's negligible, but for coastal cruising or long reservoir runs the extra range matters.