The 1998-P Roosevelt Dime is worth anywhere from its $0.10 face value in worn condition to over $600 for rare, high-grade specimens. While most of these coins in your pocket are only worth ten cents, certain “Full Band” versions and mint errors can command a premium from collectors.

Condition	Estimated Value (USD)
Circulated (Avg. Wear)	$0.10 – $0.15
Uncirculated (MS60-MS63)	$1.00 – $3.00
Gem Mint State (MS65+)	$10.00 – $45.00
Top Pop / Full Bands	$150.00 – $800.00+

Understanding the 1998-P Roosevelt Dime

In 1998, the Philadelphia Mint produced over one billion Roosevelt dimes. Because the mintage was so significant, finding these coins in daily circulation is incredibly common. For the everyday American, a dime from 1998 usually looks like any other coin, but for those using the top coin identifier app, the subtle differences in condition and strike can reveal hidden value.

Most people don’t realize that the 1998-P Roosevelt dime is made of a “clad” composition. This means it has a core of pure copper with an outer layer consisting of 75% copper and 25% nickel. It does not contain any silver. Silver dimes ended in 1964, so your 1998 version is strictly a base-metal coin. However, just because it lacks precious metal doesn’t mean it lacks collector appeal.

When you use an app like CoinKnow, you can quickly determine if your coin is a common “business strike” or something more prestigious. Collectors look for examples that have been protected from the wear and tear of vending machines and cash registers. The “P” mint mark located above the date signifies it was struck in Philadelphia, and while billions were made, only a tiny fraction survived in “Mint State” condition.

Determining the 1998-P Roosevelt Dime Value by Grade

The value of a 1998-P Roosevelt dime is almost entirely dependent on its grade. In the world of numismatics, we use a 70-point scale. A coin that has been circulated—meaning it has scratches, dull luster, or “bag marks”—is usually only worth its face value. Even a shiny dime you find in your change is likely only worth ten cents because it has already touched other coins.

However, if you happen to find a 1998 dime in an original Mint Set or a forgotten rolls of coins, the price changes. According to current 1998-P Roosevelt Dime price trends, an MS65 graded coin might fetch around $10 to $15. If the coin reaches the elite tier of MS67 or higher, the price jumps significantly.

Authenticating these high-grade coins can be difficult for the naked eye. This is where tools like CoinKnow become essential. By scanning your coin, you can get a better sense of whether the surface is clean enough to warrant professional grading. A single tiny scratch on Roosevelt’s cheek can drop the value from $100 down to $1.

Grade (Mint State)	Typical Retail Value
MS63	$2.50
MS65	$12.00
MS66	$25.00
MS67	$55.00
MS68	$450.00+

The “Full Bands” Premium for 1998-P Dimes

If you want to find a 1998-P dime that is truly worth money, you need to look at the reverse side of the coin. Specifically, look at the torch in the center. There are horizontal bands at the top and bottom of the torch. On most dimes, these bands are blurry or blended together due to a weak strike at the mint.

A “Full Bands” (FB) Roosevelt dime is one where these horizontal lines are completely separated and distinct. This indicates a high-quality strike. Because it is rare for a 1998-P dime to have such a sharp strike, collectors pay a massive premium for them. While a standard MS67 might be worth $50, an MS67 with the Full Bands designation could sell for hundreds.

Detailed 1998 dime value information shows that high-grade Full Band coins are the “holy grail” for Roosevelt collectors. Using a magnifying glass or a high-resolution camera with CoinKnow can help you see if those tiny lines on the torch are clearly split. If they are, you should consider having the coin professionally certified by PCGS or NGC.

Rare 1998-P Roosevelt Dime Errors to Look For

Sometimes, the value isn’t in the perfection of the coin, but in the mistakes made during production. Error coins are a favorite among everyday hunters because they can be found in normal pocket change. For the 1998-P Roosevelt Dime, several types of errors have been documented, ranging from minor to quite valuable.

One common error is the “Off-Center Strike.” This happens when the coin blanks are not properly aligned with the dies. If the 1998-P dime is missing 10% to 50% of its design, it can be worth $20 to $100. Another exciting find is the “Broadstruck” error, where the coin is struck without the collar, causing it to look flatter and wider than a normal dime.

You might also find “Die Cracks,” which appear as raised lines of metal on the surface of the coin. While small die cracks don’t add much value, large ones—especially those that run across the entire face of the coin—can attract collector interest. Keep an eye out for “Die Clashes” as well, where the images of the obverse and reverse seem to slightly bleed into each other.

Error Type	Estimated Market Value
5% – 10% Off-Center	$5 – $15
50% Off-Center (With Date)	$75 – $150
Broadstruck	$15 – $30
Double Die (Rare)	$25 – $200+

How Mintage Figures Affect the 1998 Dime Value

With a mintage of 1,163,000,000 at the Philadelphia Mint alone, the 1998-P dime is not a “key date” by any means. In the world of coin collecting, a key date is a year where very few coins were made, making even worn examples valuable. Because over a billion of these were made, the supply heavily outweighs the demand for average coins.

However, the sheer volume of production meant that the minting dies were used until they were worn out. This led to many mushy strikes. Finding a “perfect” example from such a massive production run is actually harder than it sounds. This creates a “condition rarity.” When a coin is common in low grades but incredibly rare in high grades, the price for those top-tier pieces skyrockets.

Comparing the 1998-P to its counterpart, the 1998-D (Denver), you’ll find similar mintage numbers. Neither is inherently more valuable than the other in circulated condition. The real value is found in the outliers—the coins that somehow stayed in a velvet-lined box for 25 years or the ones that were struck on the wrong type of metal planchet.

Tips for Selling Your 1998-P Roosevelt Dime

If you believe you have found a 1998-P dime worth more than ten cents, you need a plan to sell it. Most local coin shops will not be interested in a single standard 1998 dime unless it is professionally graded or a significant error. They simply have too many of them in stock.

For high-grade coins (MS67 or higher), the best route is an online auction or a specialty coin dealer. Platforms like eBay are great for selling error coins, as there is a huge community of error hunters looking for off-center strikes and die cracks. Before listing, make sure to take clear, high-resolution photos of both the front and back of the coin.

Finally, always verify your coin’s potential before spending money on professional grading. Grading services like PCGS can cost $20 to $50 per coin, which is more than most 1998 dimes are worth. Use CoinKnow to get an initial estimate and compare your coin to known high-value examples. If your coin looks identical to an MS68 “Full Bands” specimen, then the investment in grading is well worth it.

Selling Channel	Best For…
Local Coin Shop	Bulk silver or rare key dates
eBay	Errors and mid-range Mint State coins
Heritage Auctions	Certified Top Pop / Full Band rarities

FAQ

Q: Does the 1998-P Roosevelt Dime contain any silver?

A: No, the 1998-P Roosevelt Dime is a clad coin made of copper and nickel. The U.S. Mint stopped making circulating silver dimes after 1964. If your 1998 dime has a copper stripe on the edge, it is definitely not silver.

Q: What is the “Full Bands” designation?

A: Full Bands (FB) refers to the two sets of horizontal lines on the torch on the reverse of the dime. If these lines are fully separated with no interruptions, the coin is designated as Full Bands, which significantly increases its value to collectors.

Q: Where is the mint mark on a 1998 dime?

A: The mint mark is located on the front (obverse) of the coin, just above the date. A “P” indicates it was minted in Philadelphia, while a “D” indicates Denver.

Q: Is a 1998-P dime worth getting graded?

A: Only if it is in flawless condition with no visible scratches under magnification, or if it has a major mint error. Most 1998-P dimes are worth only face value, so the cost of grading usually exceeds the coin’s worth.

Q: What is the highest price ever paid for a 1998-P Roosevelt Dime?

A: While prices fluctuate, high-grade examples in MS68 FB (Full Bands) have sold for prices between $500 and $800 at major auctions. The vast majority, however, sell for just $0.10.