![Gary Payton [Refractor] #285 1994 Finest Basketball](/api/images/junkpal-products/sports/gary-payton-refractor-285-basketball-cards-1994-finest-sport/cover.webp)
Ungraded vs PSA 10 Gary Payton [Refractor] #285 1994 Finest Basketball: price difference
Gary Payton [Refractor] #285 1994 Finest Basketball value — Ungraded $13 vs PSA 10 $305. PSA 10 sells for 23.46× Ungraded (+2246%). Prices updated July 2026.
Medians of real sold listings per grade, updated July 2026 — how we compute values.
PSA 10 sells for 23.46× (+2246%) the Ungraded price — a $292 difference per card.
Grade 9 sells for 12.69× (+1169%) the Ungraded price — a $152 difference per card.
Should you get this card graded?
Grading runs about $30 per card all-in. On Gary Payton [Refractor] #285 1994 Finest Basketball, the jump from Ungraded to PSA 10 is worth $292 (23.46×) — 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).