![Gary Payton [Refractor] #20 2003 Topps Chrome Basketball](/api/images/junkpal-products/sports/gary-payton-refractor-20-basketball-cards-2003-topps-chrome-sport/cover.webp)
Ungraded vs PSA 10 Gary Payton [Refractor] #20 2003 Topps Chrome Basketball: price difference
Gary Payton [Refractor] #20 2003 Topps Chrome Basketball value — Ungraded $4 vs PSA 10 $150. PSA 10 sells for 37.5× Ungraded (+3650%). Prices updated July 2026.
Medians of real sold listings per grade, updated July 2026 — how we compute values.
PSA 10 sells for 37.5× (+3650%) the Ungraded price — a $146 difference per card.
PSA 10 sells for 8.33× (+733%) the Grade 9 price — a $132 difference per card.
Should you get this card graded?
Grading runs about $30 per card all-in. On Gary Payton [Refractor] #20 2003 Topps Chrome Basketball, the jump from Ungraded to PSA 10 is worth $146 (37.5×) — if your copy grades at the top, that premium can cover the fee. A grade below the top one changes the math, so run your exact numbers first.
Run the grading break-even math →Values are estimates from real sales data — not appraisals or offers. Some links earn JunkPal a commission at no cost to you (disclosure).