Cards › 2023 Panini Donruss Optic Downtown Joe Montana #D-7

Is the 2023 Panini Donruss Optic Downtown Joe Montana #D-7 worth grading?

Live market numbers as of 2026-07-16 — raw vs. graded value, PSA 10 gem rate, and the breakeven math.

Raw value

$430.82

PSA 9 value

$462.50

PSA 10 value

$800.00

PSA 10 gem rate

49.3%

Based on the numbers below, this card is potentially worth grading — a PSA 10 nets an estimated $185, but the 49.3% gem rate means the 10 is far from guaranteed. Weigh the PSA 9 outcome below.

The breakeven math

Line item	Amount
Raw purchase	$430.82
Sales tax (8%)	$34.47
Grading fee (value tier)	$25.00
Shipping	$5.00
Total cost basis	$495.29
Net at PSA 10 (85% payout)	+$184.71 (+37%)
Net at PSA 9 (the downside case)	−$102.16

Assumptions: $25 grading, $5 shipping, 8% tax on the raw purchase, and keeping 85% of the sale after marketplace fees. Your numbers will differ — run them below.

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Card pricing data provided by SportsCardsPro, a service of PriceCharting. Gem rates reflect recent PSA population data (345 graded submissions). Not investment advice — grading outcomes are probabilistic and markets move. © Summit Sports Cards · About · Pricing