In the world of rare U.S. coins, few have captured the hearts of collectors like the 1964 Kennedy Half Dollar. Originally minted as a tribute to the late President John F. Kennedy, this iconic coin is not only historically significant but could also be worth a small fortune—some versions have sold for over $950,000 at auction.
So, how do you know if the 1964 Kennedy Half Dollar sitting in your collection—or even your pocket—is one of the rare ones? Here’s everything you need to know.
Why the 1964 Kennedy Half Dollar Is So Iconic
The 1964 Kennedy Half Dollar was introduced just months after the assassination of President Kennedy. It quickly became more than just currency—it was a national symbol of unity and remembrance. Many Americans saved these coins as keepsakes rather than spending them.
What sets the 1964 version apart is its composition. It was the only year the Kennedy Half Dollar was struck with 90% silver. In 1965, the U.S. Mint reduced the silver content, making the 1964 coin far more desirable for both collectors and investors.
What Makes Some 1964 Kennedy Half Dollars Worth Over $950,000?
While the majority of 1964 Kennedy Half Dollars are worth $10 to $25 based on their silver content, a few exceptional examples have reached record-breaking values. Here’s what makes those rare coins so valuable:
1. Struck on 90% Silver Proof Planchets
Some 1964 Kennedy Half Dollars were mistakenly struck on proof planchets—blanks intended for earlier proof coins. These minting errors are extremely rare and highly valuable, fetching enormous sums at auction.
2. The “Accented Hair” Variety
This version features more defined strands of hair just above Kennedy’s ear. It was an early design that was later modified, making the “Accented Hair” variety one of the most sought-after proof coins in U.S. history.
3. High-Grade Condition (MS68 and Above)
Condition is everything in coin collecting. A 1964 Kennedy Half Dollar graded as MS68 or higher is exceedingly rare. One such coin sold for nearly $950,000 due to its flawless condition and scarcity.
How to Identify a Valuable 1964 Kennedy Half Dollar
If you have a 1964 Kennedy Half Dollar, here are the key features to examine:
Check the Mint Mark
1964 coins were minted in Philadelphia (no mint mark) and Denver (marked “D”). Both can produce valuable varieties, but identifying the mint is your first step.
Look for the Accented Hair Detail
Examine Kennedy’s hair, especially above the ear. If the strands appear thicker or more defined than usual, you might have the Accented Hair proof.
Inspect for Proof Characteristics
Proof coins have a mirror-like surface with sharp, frosted details. If your coin has this finish, it could be a proof coin—and potentially a rare one.
Have It Professionally Graded
Even a slight scratch can impact value. Submit your coin to professional grading services like PCGS or NGC to determine its official grade. A high-grade coin can significantly increase in value.
Where Are These Rare Coins Being Found?
You don’t need to dig through old bank vaults to find treasure. Some of the most valuable 1964 Kennedy Half Dollars have been discovered in:
- Inherited coin collections
- Loose change jars
- Estate sales
- Rolls purchased from local banks
One MS68-graded example, worth close to a million dollars, was found inside a coin roll from a local bank. This proves that valuable coins are still out there—just waiting to be discovered.
Why Coin Condition and Rarity Matter
Two coins with the same date can differ greatly in value. It’s all about rarity, variety, and condition. Coins with mint errors, rare varieties like the Accented Hair, or near-perfect grades often bring in the highest bids at auctions.
Final Thoughts: Don’t Overlook Your 1964 Kennedy Half Dollar
While most 1964 Kennedy Half Dollars are worth only slightly more than face value, a select few are worth thousands—or even close to $1 million. The key to uncovering their value lies in the details: mint marks, condition, silver content, and special varieties.
Before you spend or give away that old half dollar, take a closer look. With the right characteristics, your 1964 Kennedy Half Dollar could be one of the most valuable coins in American history.
Frequently Asked Questions (FAQs)
Q1: What makes the 1964 Kennedy Half Dollar so valuable?
Its value comes from its 90% silver content, historical significance, and rare varieties like Accented Hair or proof errors—especially when found in high-grade condition.
Q2: What is the “Accented Hair” variety?
It’s a 1964 proof coin that features extra hair detail above Kennedy’s ear. It was part of the original design and later changed, making it highly collectible.
Q3: Where can I get my Kennedy Half Dollar graded?
You can send your coin to certified grading services like PCGS (Professional Coin Grading Service) or NGC (Numismatic Guaranty Company).
Q4: Are all 1964 Kennedy Half Dollars valuable?
No. Most are worth $10–$25 for their silver content. Only rare varieties or coins in near-perfect condition command high prices.
Q5: Can I still find valuable Kennedy Half Dollars in circulation?
Yes. Some have been discovered in bank rolls, old collections, or even pocket change. It’s always worth checking!