Now’s the Time to Buy Silver Jewelry

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It’s no coincidence that you’re noticing brands like Catbird and Mociun — which are known for using 14k solid gold — offering more sterling-silver pieces recently. The price of gold stands at $5,165.60 an ounce (at least as of yesterday). For comparison’s sake, the price of silver is $85.46 an ounce. This is a big difference from where it was exactly a year ago,at $33.16 an ounce. You may be paying more for sterling silver in 2026 than you were in 2025, but you can still find a lot of sterling-silver pieces for under $500 (less so for solid gold — but I’ve found a fewhere).
If you’re a fine-jewelry collector like me, it makes a lot more sense to buy something in sterling silver rather than gold right now. But there are a few things to know. Unlikesolid gold (or gold plated, gold filled, and vermeil), which is measured in karats (that’s thekin 14k, 18k, and 22k), genuine sterling silver will more often than not be marked with a “.925,” for the 92.5 percent pure silver it contains (the other 7.5 percent is other metals, such as copper). It could do with a good polishing, depending on how much you wear it — for specific cleaning instructions, we have aguide on how to clean silver.
Every pearl of wisdom I learned from years of jewelry collecting is in ourguide to the best fine jewelry under $500. Think of this as the all sterling-silver edition, whether you’re someone who prefers Tiffany or you’re getting your firsthoops. There’s everything here, from a quite medieval-y pair of pin-cushion earrings to a charm based on an Italian pastille.
Under$100

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This organic-looking form fromQuinceresemblesElsa Peretti for Tiffanyfor exactly $887 less.

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“A tiny replica of the key to your childhood home” that can be engraved with an address, lucky numbers, a wedding date, oranything else of numerical significance(up to four characters, including symbols like $, !, and #). It’s the only piece of jewelry actressKat Denningscan’t live without.

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Thanks Dad sources lesser-used gems likeiolite,hessonite, andmorganite— or those in unusual hues like thistourmaline. The color of the rose quartz reminds me of a corner of a windowpane frosted with snow.

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Heidi Bivens, the costume designer forEuphoria, collaborated with Catbird on this homage to the greatDavid Lynch, inspired by a picture of his hands and his epitaph, “Night Blooming Jasmine.”
Under$200

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Our writerArielle Avilacan pair the Stevie fromMejuri— a brand we’ve said has “quality materials for less than what you’d typically pay at a traditional retailer” — with other rings easily. That includes aSpiral Shell Ringfrom Mignon Faget she wears daily.

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Kristin Scott Thomasthinks of her toe ring “like a wedding ring on my toe.” This trio of toe rings from Chan Luu can be split with friends (in lieu of afriendship bracelet) if you’re feeling sentimental.

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I’ve said it once, and I’ll say it again: Getting a Marla Aaronlockis a rite of passage. Modeled after hardware-store carabiners, Marla Aaron locks can be used as connectors. The Babylock is the most popular, but there’s everything from theSpring LockandRegular Lockto aMega Lock(with a price upon request).

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It may not have the enamel Bea Bongiasca is known for, but it’s another one of her “vine-twirled” figures. Sold as a single, it doesn’t require a pierced ear, either.

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Dunton Ellerkamp’s Owen studs appeared in last year’sSecret Strategist Gift Guide; I heard about them later fromSaloonfounderJulia Harrison. “They look simultaneously Space Age–y and like something calcified you pulled from the dirt,” Harrison says.

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“It has been said that Colin Firth is ‘the thinking woman’s heartthrob,’ and this, too, isTed Muehlingas jeweler,” says illustrator Joana Avillez. “Once you know the visual vocabulary to spot a Ted Muehling, you’ll see them everywhere. The identifier is that they are perfect.” As are these chips, thinly sliced like a Lay’s potato. (While the chips themselves are sterling silver, the ear wires are made from 14k yellow gold.)

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A pair of Ames’ Lizzies were high on our senior editorHilary Reid’sholiday wish list(after she saw them on her friend Annie), with the pin-cushion design quite medieval-y.
Under$300

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The minute our writerKitty Guodiscovered California Dirt, she couldn’t resist its “fluid, curved, nature-themed” pieces (which come in the shape of water droplets, sunbeams, and sea creatures). She has been wearing theAdiviniaandSol“pretty much every day” since getting them in 2023 and 2024, respectively. “These feel really solid and capable of taking a beating,” she tells me.

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Catbird describes itscollaboration with Japanese Breakfastas “a meditation on time, romance, and the sea.”I can’t help thinking of theBirth of Venuswith this shell.

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Dorsey’s Maxwell is set with lab-grown moissanite, which is often billed as an alternative to diamond (you’ll see it in many an engagement ring). The earrings, also available in medium (for $380) and large ($505), themselves feature a Georgian-inspired prong setting and an old-fashioned latch-back closure.

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Thanks in part to the hinges, each ballspins.

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The spiral discs are not unlike a bird’s-eye view of a whirlpool or a symbol of a cycle — depending on your perspective.

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Our senior writerLauren Rosaw Brennan’s Figaro Hoops on Stephanie Cleary of Morrow Soft Goods and immediately asked her about them. “They’re made in Los Angeles and have a subtle wave to them that feels so effortless,” Ro explains. And while she usually wears gold, they “look so good in silver” (and go well with the Maria Tash studs in her other piercings, which are white gold).

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AnItalian pastille(available in flavors of black currant and eucalyptus menthol from a fourth-generation confectionery) that J.Hannah 3-D scanned to make a “wearable treat.”

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I’d say what the bellybutton ring was to the aughts, the waist chain is to the 2020s.

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Faris Mer Ring
For some reason, the garnet and green amethyst don’t read Christmasy.

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According to TenThousandThings, the beads originate from the ancient Fertile Crescent.
Under$400

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How it’s made: a single coil of sterling-silver wire wrapped around and around (and around) in a way that’s part spaghetti, part garter-snake den.

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It’s the miniature version of Abel Objects’Tilt Signet Ring, with the oval tilted at an angle.

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Napoleon returned from his Egyptian campaign with acarnelian. Maybe this can similarly be your talisman. (It also comes inturquoise, anothersymbol of good fortune.)

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Editor Mallory Rice previously described Saphir Bachar jewelry to me as “substantial, sculptural, feminine, and warm all at once.” I think that description fits the Whorl Ring perfectly.

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The large Australian opal is acolor of greenthat’s “natural but a little freaky, a little sour: If a normal green calls to mind healthy ferns and forests, these shades come straight from bogs and sulphuric hot springs,” says our writerErin Schwartz.

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Can you tell Agmes used the infinity sign for inspiration? (This piece is called Inti after all.)

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Notdiamond earringsin capitalized letters, butdiamond earringsin lowercase.

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Ursa Major compares it to a traditional Chinese jade bangle (meaning you don’t have to take it off) and recommends sizing down — sizes available are extra-extra small, extra small, small, medium, large, extra large — based on the measurements of the interior dimensions listed.

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“Sophie Buhai is the queen of the small hoop,” according toWall Street Journalart editor Alexandra Citrin-Safadi. Buhai’s cuff is just as sculptural as Buhai’shoopswithout the commitment of a piercing.

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Gabriella Kiss (formerly Ted Muehling’s apprentice) is influenced by nature in the Hudson Valley — in this case, the “cow killer,” otherwise known as thevelvet ant.
Under$500

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Earlier this month, Kinn released itsSilver Classicsline, which includes the new Mercer Cuff Hoops. The clean lines match Kinn’sFrançoise Ellipse Ring(based on the founder’s grandmother-in-law’s wedding band).

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Paloma Picassooriginally designed a table setting for a Tiffany exhibition in 1979 — a year later, the idea forPaloma’s Graffiticame. I might like Picasso’s olive leaf (as from the groves surrounding her home in Marrakech) motif slightly more.

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There’s nothing more romantic than afede ring— the clasped hands in the front open up to another ring in the middle. I haven’t seen a sterling-silver one in a long time.

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Just something so Scandinavian: a vintage Henning Koppel for Georg Jensen ring. It’s in the style ofKoppel’s Fish Dish, which isin the Metropolitan’s collection.

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While Mociun by Caitlin Mociun is playful (as evidenced by itsinstant-ramen charm), CRZM by Mociun is elemental — and a whole lot cheaper. For comparison’s sake, the Boulder Ring is $495 in sterling silver and $2,500 in solid gold.
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