The Monterey 278 SS 2020 vs Monterey 295 SS 2022 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.
On paper these two are close siblings in the size department — Monterey 278 SS 2020 at 26,8 ft versus Monterey 295 SS 2022 at 29,0 ft. Weight tells a clearer story for trailering families: the Monterey 295 SS 2022 tips the scales at 8 200 lbs — 2 700 lbs less than the Monterey 278 SS 2020 at 5 500 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 430 hp, the Monterey 278 SS 2020 has a 422-hp advantage over the Monterey 295 SS 2022's 8-hp ceiling — enough to notice on acceleration and at cruising speed, particularly with a full passenger load. Both carry nearly identical fuel loads — 8 gal and 9 gal — so range won't be a tiebreaker here.
Both boats are rated for 8 passengers — a good fit for a family of four or five plus guests. Comfort at capacity is another matter; the longer hull typically means more seat options and better weight distribution.
Bottom line: The Monterey 295 SS 2022 at 29,0 ft is the right call if deck space, comfort, and entertaining are top of your list. The Monterey 278 SS 2020 at 26,8 ft wins on trailering ease, likely lower purchase price, and simpler docking — a solid choice for a buyer who wants more boat for less money.