The world of coin collecting is full of surprises. Everyday pocket change can sometimes be worth thousands of dollars, and one such fascinating find is the 1995-S Kennedy Half Dollar. This modern coin, minted in San Francisco, could fetch up to $6,000 under the right conditions. Let’s dive into what makes this coin so valuable and how to identify one.
A Brief History of the Kennedy Half Dollar
The Kennedy Half Dollar was introduced in 1964 as a tribute to President John F. Kennedy following his assassination in 1963. Initially struck in 90% silver, the composition shifted to 40% silver from 1965 to 1970, and then to a copper-nickel blend from 1971 onward.
Despite high production numbers, these coins became scarce in daily transactions because many people hoarded them as keepsakes of the fallen president.
The Importance of the “S” Mint Mark
The “S” mint mark on the 1995-S Kennedy Half Dollar indicates that it was produced at the San Francisco Mint. Unlike coins from Philadelphia and Denver, which were made for circulation, San Francisco primarily struck proof coins—high-quality collector pieces with a mirror-like background and frosted designs.
| Mint | Purpose | Mark |
|---|---|---|
| Philadelphia (P) | Circulation Coins | None |
| Denver (D) | Circulation Coins | D |
| San Francisco (S) | Proof Coins (Collectors) | S |
Why Is the 1995-S Kennedy Half Dollar So Valuable?
While more than 2 million proof coins were minted in 1995, only a small number are worth thousands. What makes a 1995-S Kennedy Half Dollar exceptionally valuable?
1. The Double Die Variety
The most valuable versions feature a double die error—a mistake during the minting process where the coin’s design is impressed twice, slightly misaligned. This results in visible doubling on key areas of the coin.
Look for doubling in these areas:
- “LIBERTY” – Noticeable doubling in the letters
- The Date “1995” – Clear overlapping numbers
- Kennedy’s Profile – Especially around the ear and eye
Double die errors are graded from 1 to 9, with higher numbers representing more obvious doubling—and higher values.
2. Coin Condition and Grading
Condition significantly impacts a coin’s value. Collectors seek coins in pristine condition, graded on a scale from PR-60 to PR-70 for proof coins.
A PR-69 or higher 1995-S Kennedy Half Dollar with a confirmed double die error can sell for $4,000 to $6,000.
| Grade | Condition Description | Value Range |
|---|---|---|
| PR-60 | Minor imperfections | $50 – $150 |
| PR-65 | Few blemishes visible under magnification | $200 – $500 |
| PR-69 | Nearly perfect condition | $4,000 – $6,000 (DDO) |
| PR-70 | Flawless under magnification | $6,000+ (DDO) |
How to Identify a Valuable 1995-S Kennedy Half Dollar
Follow these steps to check if your coin is valuable:
- Confirm the Mint Mark
- Look for the “S” mint mark under Kennedy’s bust on the obverse (front) side.
- Inspect for Doubling
- Use a 5× to 10× magnifying glass to check LIBERTY, 1995, and Kennedy’s profile for a doubling effect.
- Evaluate the Condition
- Ensure the coin is scratch-free, with sharp features and a mirror-like finish.
- Get It Authenticated
- Submit your coin to professional grading services like PCGS or NGC for official verification.
Other Valuable Kennedy Half Dollars
The 1995-S double die isn’t the only Kennedy Half Dollar worth collecting. Here are other valuable varieties:
| Year | Variety | Approximate Value (PR-69) |
|---|---|---|
| 1964 | Accented Hair | $2,000 – $4,000 |
| 1966 | No FG Initials | $3,000 – $5,000 |
| 1970-D | Key Date | $700 – $1,000 |
| 1979-S | Type 2 Proof | $100 – $300 |
| 1998-S | Silver Matte Finish | $200 – $500 |
What To Do If You Find a Valuable Coin
If you suspect your coin is valuable:
- Handle with Care – Use cotton gloves and hold the coin by the edges.
- Proper Storage – Keep the coin in a non-PVC holder to prevent damage.
- Authenticate – Send the coin to PCGS or NGC for professional grading.
- Consult an Expert – Speak to a reputable coin dealer before selling.
- Never Clean the Coin – Cleaning can reduce the coin’s value significantly.
The Future of Kennedy Half Dollar Collecting
Interest in Kennedy Half Dollars remains strong due to their historical importance and the potential for valuable discoveries. Coins like the 1995-S double die are highly sought after and could continue to appreciate in value.
So, the next time you check your coin jar or an old collection, keep an eye out—your next treasure might be hiding in plain sight!
FAQs
How can I tell if I have a 1995-S Kennedy Half Dollar?
Check for the “S” mint mark below Kennedy’s bust on the front of the coin.
What magnification do I need to spot a double die error?
A 5× to 10× magnifying glass works best to see the doubling.
Should I clean my coin before getting it graded?
No—cleaning can reduce the coin’s value. Handle it carefully and avoid cleaning.
How do I get my coin professionally graded?
Submit your coin to PCGS or NGC for authentication and grading.
Are other Kennedy Half Dollars valuable?
Yes, varieties like the 1964 Accented Hair and 1966 No FG can be worth thousands.