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The 1995 Penny That Might Surprise You

The 1995 penny value represents a standard US circulation coin with a nominal value of one cent.

Production occurred at two primary facilities: Philadelphia (no mint mark) and Denver (D mark).

The total mintage reached 13,540,000,000 specimens, ensuring a widespread presence of the coin in monetary circulation.

A young collector discovering a 1995 penny on a kitchen table and reacting with excitement while browsing

The Philadelphia Mint produced 6,411,440,000 units.

The Denver Mint manufactured 7,128,560,000 units.

The coin composition is based on a zinc core (97.5%) covered with a thin layer of pure copper (2.5%).

The item weight equals 2.5 grams with a diameter of 19.05 millimeters.

The disk thickness is limited to 1.52 millimeters.

The obverse contains an image of Abraham Lincoln created by Victor David Brenner in 1909.

The reverse displays the Lincoln Memorial designed by Frank Gasparro.


Mint Facility

Mark

Mintage (billions)

Material

Philadelphia

None

6.41

Copper-plated zinc

Denver

D

7.12

Copper-plated zinc

San Francisco

S

0.002

Proof (enhanced strike)

Doubled Die Obverse

The primary interest for research lies in a specific mint error originating at the Philadelphia Mint.

The Doubled Die Obverse (DDO) error is officially registered under the code FS-101.

The defect formed as a result of image displacement during the manufacturing of the working die.

The most pronounced doubling is observed in the word "LIBERTY" and the phrase "IN GOD WE TRUST".

The letters demonstrate a clear shift to the left and upward, creating visually distinguishable duplicating contours.

The digits of the date "1995" also possess signs of thickening caused by this technical failure.

Identification Indicators for DDO-001

  1. Split serifs on the letters "L" and "I" in the word "LIBERTY".

  2. Noticeable thickening of the upper part of the digits "1" and "9".

  3. Clear contour breaks inside the letters of the phrase "IN GOD WE TRUST".

  4. Absence of mechanical damage signs (Strike Doubling) often mistaken for true doubling.

Value Assessment Based on Gradation

The price of the coin is determined by the surface condition and copper color denoted by the abbreviations BN (Brown), RB (Red-Brown), and RD (Red).

Specimens in the RD category possess the maximum value due to the preservation of the original luster.


Grade (MS)

Market Price ($)

Surface Condition

MS63

15 – 25

Presence of minor scratches and spots

MS65

40 – 60

Moderate luster, minimum damage

MS67

150 – 250

High detail, absence of defects

MS68

600 – 1,200

Exceptional preservation

MS69

5,000+

Perfect condition (rare cases)

Auction Records and Sales Statistics

Sales of certified coins worth money on major platforms, such as Heritage Auctions, record significant price deviations.

In 2017, a 1995 DDO-001 specimen in PCGS MS69 RD grade was sold for 5,053 US dollars.

This price confirms the status of the coin as one of the most valuable modern pennies.

Denver coins (1995-D) in a similar grade without errors cost significantly less.

The record for a standard 1995-D in MS69 RD grade is approximately 650–800 US dollars.

Annual Price Dynamics

The market for modern mint errors demonstrates volatility associated with the number of new finds.


Analysis Year

Price Change (%)

Market Factor

2019

+4.5%

Growing interest in PCGS registries

2020

+12.0%

Increased demand for numismatic investments

2021

+8.5%

Active trading on online platforms

2022

-3.0%

Increased supply of certified MS67 units

2023

+5.2%

Inflationary adjustment of assets

Influence of Oxidation and Color on Liquidity

The copper plating of zinc coins is subject to rapid degradation under the influence of oxygen.

Color classification is a key factor in determining the final transaction amount.

"Red" (RD) type coins must have at least 95% of the original red copper color.

Transitioning to the "Red-Brown" (RB) category reduces the coin's value by 40–60% relative to the RD category.

Brown specimens (BN) having lost their luster completely trade at minimum prices even with a DDO error.

Value Comparison by Color Categories (Grade MS66)

  • Red (RD): 75 – 100 US dollars

  • Red-Brown (RB): 35 – 45 US dollars

  • Brown (BN): 10 – 15 US dollars

 Person rolling pennies in coin wrappers and suddenly isolating a 1995 penny that looks unusually sharp

Production Technology and Error Origin

The die manufacturing process in 1995 included repeated pressing of a master hub into a steel blank.

Displacement between the first and second impressions led to the duplication of design elements on the die.

Using a defective tool on an industrial scale allowed the production of tens of thousands of coins with the error until the moment of detection.

Quality control at the Philadelphia Mint missed the batch, directing it into the general cash distribution network.

Storage and Conservation Methods

Considering the zinc base, 1995 coins are extremely sensitive to humidity.

Copper contact with moisture triggers a process of electrolytic corrosion destroying the core.

Storage in PVC flips is prohibited due to the emission of acids causing irreversible surface damage.

Using acid-free holders or vacuum capsules is recommended.

Certification by grading companies ensures airtightness, guaranteeing the preservation of the current state for decades.

Standard 1995 pennies without the DDO defect do not possess a collector's premium in most cases.

Exceptions include coins in MS68 condition and higher.

For an ordinary 1995 Philadelphia penny, the price in MS68 RD grade ranges from 30 to 50 dollars.

Discovering a specimen in MS69 grade without errors is an extremely rare event, raising the price to 300–500 dollars.


Condition

Percentage of Mintage

Status

In circulation (worn)

98.4%

Face value

MS60 - MS64

1.5%

Minimal premium

MS65 - MS67

0.099%

Collector interest

MS68+

<0.001%

Investment asset

Procedure Upon Discovering a Rare Coin

Detecting signs of doubling requires excluding "machine doubling".

Machine doubling is characterized by flat, shelf-like contours not increasing the value.

Genuine doubling (DDO) possesses rounded shapes on both parts of the image.

After confirming authenticity through the best coin value app, professional expertise is required.

Sending the coin to PCGS or NGC confirms its grade, allowing the lot to be placed in a specialized auction.

The 1995 penny remains a significant object for study due to the availability of the DDO variety in circulation.

Found specimens require immediate isolation from the environment to prevent darkening.

Investment attractiveness remains exclusively for coins with a pronounced red color (RD).

Stable demand for mint errors in the US ensures asset liquidity provided proper certification is obtained.

Careful inspection of coins from this date allows finding specimens with a value exceeding the nominal one by thousands of times.