Is Russell Maryland [Refractor] #145 worth grading?

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

Worth grading — even a PSA 9 beats raw

A Grade 9.5 Russell Maryland [Refractor] #145 sells for $74.00 against $10.53 raw: a $63.47 spread, 7.0× the ungraded price. Even a PSA 9 ($67.50) 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): $10.53
Grade 9.5: $74.00
PSA 9: $67.50
Gem premium: 7.0×
As of: Sep 3, 2026

Break-even by outcome and fee

Russell Maryland [Refractor] #145: 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	$74.00	+$38.47	+$13.47	−$86.53
PSA 9	$67.50	+$31.97	+$6.97	−$93.03

Net = sale price − $10.53 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?

Russell Maryland [Refractor] #145: expected value of submitting by gem probability
Chance it gems	Expected sale	Expected net (standard fee)
25%	$69.13	+$8.59
50%	$70.75	+$10.22
75%	$72.38	+$11.84

Even a miss (a 9) beats selling raw after the standard fee — the gem rate only decides how much you win by.

Full grade ladder

Raw conditions & history →

Russell Maryland [Refractor] #145 graded prices by company and grade
Grade	Graded
9.5	$74.00
9	$67.50
7	$5.50

Run your own numbers

Should I pay this?

Asking priceGrading fee

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