The 1987-S Roosevelt Dime is worth anywhere from $3 in typical Proof condition to over $100 for exceptional Deep Cameo specimens. While it might look like a regular ten-cent piece, the “S” mint mark signifies a special production quality intended for collectors rather than daily spending.

Understanding the Unique History of the 1987-S Roosevelt Dime

If you have discovered a 1987 dime with a tiny “S” sitting just above the date, you haven’t found an ordinary circulation coin. In 1987, the United States Mint in San Francisco exclusively produced “Proof” coins. Unlike the dimes made in Philadelphia (P) or Denver (D) that were tossed into bags and sent to banks, these were struck with polished dies on specially cleaned planchets. Using a top coin identifier app can help you confirm if your coin truly carries this San Francisco mark or if it is a common business strike.

The 1987-S was part of the annual Proof Set sold to hobbyists. Because these coins were never meant to buy a soda or a newspaper, they usually retain their original mirror-like shine. However, many of these sets have been broken open over the decades. Sometimes, people spend them by accident, leading to “circulated proofs” which are a bit of a curiosity in the numismatic world. If you find one in your change, it likely traveled a long way from its original velvet-lined collector’s case.

When you are trying to determine if your pocket change is a hidden gem, using a tool like CoinKnow can provide instant clarity. This app specializes in recognizing the subtle differences between a shiny high-grade business strike and a genuine Proof coin.

How to Identify a 1987-S Proof Roosevelt Dime

The most striking feature of the 1987-S Roosevelt Dime is its finish. Proof coins from this era are known for their “Cameo” effect. This means the raised parts of the design—like Franklin D. Roosevelt’s portrait and the torch on the back—have a frosted, white appearance. This creates a sharp contrast against the background, which should look like a dark, polished mirror.

Check for the “S” mint mark located right above the date on the obverse side. If the coin is missing a mint mark, it was likely minted in Philadelphia. If it has a “D,” it came from Denver. Only the “S” indicates the San Francisco Proof. Because these coins were handled with care by the Mint, most 1987-S dimes remain in top-tier condition. Even so, the 1987 dime value can fluctuate based on how many scratches or “hairlines” have accumulated on those sensitive mirrored surfaces over thirty years.

If your coin looks exceptionally clear with no visible marks, it might be a candidate for professional grading. Collectors particularly prize “PR70” specimens, which represent a perfect coin under five-times magnification. For the average person, recognizing these nuances is easier with the help of CoinKnow, which allows you to compare your coin against high-resolution database images.

The Current Market Value of 1987-S Roosevelt Dimes

In the current market, the value of a 1987-S Roosevelt Dime is heavily dependent on its “Cameo” (CAM) or “Deep Cameo” (DCAM) designation. Most coins found in original government packaging are valued between $3 and $7. These are beautiful coins, but they are not rare, as over 4 million were produced. The real value jumps when a coin is graded at the highest possible levels by services like PCGS or NGC.

For example, a standard PR69 Deep Cameo might sell for $10 to $15. However, if you are lucky enough to own a perfect PR70 Deep Cameo, the price can climb significantly. While the 1987 dime price data for business strikes shows they are mostly worth face value, the Proof versions hold a much higher floor price for collectors looking to complete their year-sets.

Below is a breakdown of what you can expect in terms of pricing for various conditions of the 1987-S Roosevelt Dime:

Condition / Grade	Estimated Value (USD)
PR65 (Proof, minor marks)	$2.50 – $4.00
PR67 Cameo (Very attractive)	$5.00 – $8.00
PR69 Deep Cameo (Near Perfect)	$12.00 – $20.00
PR70 Deep Cameo (Perfect)	$75.00 – $115.00

Are There Any Rare Errors for the 1987-S Dime

While 1987 wasn’t a year famous for major die errors like the “No S” dimes of the early 80s, collectors still hunt for minor variations. These can include “Double Die” strikes, where the lettering or the date appears to be doubled. On a Proof coin, these errors are even more sought after because the Mint’s quality control for Proofs is usually much stricter than for standard coins.

You might also look for “Clash Marks,” where the dies struck each other without a coin blank in between, leaving a faint impression of the reverse design on the front or vice versa. These errors drastically increase the value because they are unique. If you suspect your 1987-S dime has a weird double edge or a blurry image, don’t clean it! Cleaning a coin with chemicals or cloth can ruin its numismatic value instantly.

When you’re out at a garage sale or hunting through an old jar of coins, keeping a tool like CoinKnow on your phone is like having a professional grader in your pocket. It can help you spot these anomalies that the naked eye might miss, ensuring you don’t spend a coin worth fifty dollars on a piece of gum.

Conclusion and Tips for New Coin Collectors

Owning a 1987-S Roosevelt Dime is a great way to start a collection. It is an affordable piece of American history that showcases the pinnacle of Mint craftsmanship. While it may not make you a millionaire overnight, finding one in high grade is a rewarding experience for any hobbyist.

Remember to keep your Proof coins in protective flips or capsules. The copper-nickel composition can still tarnish or develop “milk spots” if exposed to high humidity. By preserving the mirror finish, you ensure that the value of your 1987-S dime remains stable or even grows as these coins become harder to find in pristine condition.

Frequently Asked Questions

Q: Is the 1987-S Roosevelt Dime made of silver?

A: No. In 1987, the U.S. Mint did not produce silver dimes for collectors. The 1987-S Proof is made of the standard copper-nickel “clad” composition. Silver Proof sets did not return until 1992.

Q: How can I tell if my 1987-S dime is a “Deep Cameo”?

A: A Deep Cameo (DCAM) coin has a very heavy frosting on Roosevelt’s portrait and the torch, making them look snowy white. The flat background fields must be so reflective that they look almost black in certain light.

Q: Can I find a 1987-S dime in my regular pocket change?

A: It is possible but rare. Usually, these coins enter circulation when someone breaks open a Proof Set and spends the coins at face value. If you find one, it will likely be scratched and lose much of its collector value.

Q: What does the “S” stand for on the 1987 dime?

A: The “S” stands for the San Francisco Mint. During this era, San Francisco focused almost exclusively on making high-quality Proof coins for collectors rather than coins for general circulation.