Is Ken Harvey [Refractor] #143 worth grading?

Football · Football Cards 1994 Topps Finest · full price guide →

Worth grading — even a PSA 9 beats raw

A Grade 9.5 Ken Harvey [Refractor] #143 sells for $53.00 against $5.47 raw: a $47.53 spread, 9.7× the ungraded price. Even a PSA 9 ($48.35) clears the raw price after an economy-tier ~$25 fee, so a near-miss still comes out ahead. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.

Raw (NM): $5.47
Grade 9.5: $53.00
PSA 9: $48.35
Gem premium: 9.7×
As of: Sep 3, 2026

Break-even by outcome and fee

Ken Harvey [Refractor] #143: net result of grading versus selling raw, by outcome and fee tier
If it comes back…	Sells for	Economy / bulk (~$25.00)	Standard (~$50.00)	Express (~$150)
Gem — Grade 9.5	$53.00	+$22.53	−$2.47	−$102
PSA 9	$48.35	+$17.88	−$7.12	−$107
PSA 8	$5.50	−$24.97	−$49.97	−$150

Net = sale price − $5.47 raw value − fee. Fee tiers are illustrative; plug your grader's current price into the calculator below.

Expected value — how often does it need to gem?

Ken Harvey [Refractor] #143: expected value of submitting by gem probability
Chance it gems	Expected sale	Expected net (standard fee)
25%	$49.51	−$5.96
50%	$50.67	−$4.80
75%	$51.84	−$3.63

At the standard fee this submission does not break even at any realistic gem rate unless the miss lands above the 9 price.

Full grade ladder

Raw conditions & history →

Ken Harvey [Refractor] #143 graded prices by company and grade
Grade	Graded
9.5	$53.00
9	$48.35
8	$5.50
7	$2.95

Run your own numbers

Should I pay this?

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