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1964 Kennedy half dollar value

The 1964 Kennedy half dollar is the last 90% silver half dollar the United States made — and the one that fills inherited jars more than any other half. It holds 0.3617 troy ounces of silver, worth $19.46 at the Oct 24, 2026 spot price of $53.80 per ounce. Circulated examples sell for $20–$22.

The three numbers that matter

Prices as of Oct 24, 2026 · Silver spot $53.80/ozt (Kitco) · Circulated, common date, problem-free, raw (uncertified) unless stated

Melt floor
$19.46
0.3617 ozt silver × $53.80/ozt spot.
Recent sold range
$20–$22
Typical dealer asking prices, Oct 2026 (APMEX 90% Kennedy bag $20.26/coin; JM Bullion $21.51/coin).
Dealer might pay
~$14.60–$17.50
Estimate inferred at 75–90% of melt — not a firm bid.

NGC melt $19.53 on Oct 24, 2026 (3:00 PM EST) cross-checks the $19.46 figure. All figures Oct 24, 2026.

1964 vs. 1965–1970: the 40% silver trap

Only the 1964 Kennedy half is 90% silver. Halves dated 1965–1970 are 40% silver — their melt floor is $7.96, less than half of a 1964. Halves from 1971 on are copper-nickel clad and worth face value in circulation. Check the date first, then the edge: silver halves have a solid silvery edge, clad halves show a copper stripe.

When a 1964 Kennedy is worth more than $22

The $20–$22 range is for common circulated coins. These are not in that range: the 1964 Accented Hair proof variety, the 1964 SMS (Special Mint Set) strikes, and uncirculated or certified examples. If your half looks unusually sharp or came from a mint set, get it checked before selling it as a common coin.

Do not clean your coins. Cleaning is the fastest way to destroy collector value — a polished coin can lose half its worth instantly, and no cleaning can be undone. Handle coins by the edges, keep them dry, and leave toning and dullness exactly as they are.
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