When two boats share the same hull type — in this case both the Monterey 264FSC 2012 and the Monterey 280SY 2013 are deep vee designs with fiberglass construction — 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?

On paper these two are close siblings in the size department — Monterey 264FSC 2012 at 26,6 ft versus Monterey 280SY 2013 at 29,0 ft. At 54 lbs and 82 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.

Both boats share a closely matched power ceiling — 425 hp for the Monterey 264FSC 2012 and 425 hp for the Monterey 280SY 2013. Real-world performance will come down more to which motor is actually bolted on, its load at the time, and whether it's a 4-stroke or 2-stroke setup. Both carry nearly identical fuel loads — 8 gal and 9 gal — so range won't be a tiebreaker here.