Disney Vacation Club costs $185 to $260 per point when you buy direct from Disney, or $65 to $165 per point when you buy the same contract on the resale market. On a typical 150-point contract, that is roughly $27,750–$39,000 direct versus $9,750–$24,750 resale up front, plus annual dues of about $1,100–$1,500 per year. This guide breaks down every number so you know exactly what DVC costs before you buy.
How Much Does Disney Vacation Club Cost?
There are two numbers that make up the cost of Disney Vacation Club: the one-time purchase price (price per point × the number of points in the contract) and the annual dues you pay every year for as long as you own. Understanding both is the only way to know the true cost of ownership.
The purchase price depends heavily on where you buy. Disney sells memberships "direct" at a premium and only offers a handful of resorts at any given time. The resale market — buying an existing contract from a current owner — offers every resort, usually at 30–50% less per point. That price gap is the single biggest factor in what DVC will cost you.
DVC Cost Per Point: Direct vs. Resale (2026)
Price per point is the standard way DVC is priced. Here is how direct and resale compare across popular resorts in 2026:
| Resort | Direct (per point) | Resale (per point) |
|---|---|---|
| Saratoga Springs | ~$185 | $65–$95 |
| Old Key West | ~$185 | $70–$100 |
| Animal Kingdom | ~$200 | $95–$120 |
| Bay Lake Tower | ~$255 | $130–$160 |
| Polynesian | ~$255 | $130–$160 |
| Riviera | ~$225 | $110–$135 |
| Grand Floridian | ~$255 | $135–$160 |
| Grand Californian | ~$260 | $140–$165 |
Resale prices move with the market. You can see live per-point pricing for every resort on the DVC resale listings page, and track how prices are trending in our market trends data. For a resale-specific breakdown, see how much DVC costs on the resale market in 2026.
The Real Cost of DVC Ownership: Upfront + Annual Dues
The purchase price is only half the story. Every DVC owner also pays annual dues — a per-point charge that covers property taxes, insurance, maintenance, and operating costs. Dues are billed per point you own, every year, and they rise over time (historically around 3–5% per year).
In 2026, annual dues range from roughly $8.00 to $12.00 per point depending on the resort. Saratoga Springs and Old Key West sit near the low end; Vero Beach, Hilton Head, and Aulani tend to be higher. A full breakdown is in our guide to DVC annual dues by resort.
| Contract size | Dues at $8/pt | Dues at $10/pt | Dues at $12/pt |
|---|---|---|---|
| 100 points | $800/yr | $1,000/yr | $1,200/yr |
| 150 points | $1,200/yr | $1,500/yr | $1,800/yr |
| 200 points | $1,600/yr | $2,000/yr | $2,400/yr |
How Much Does a DVC Membership Cost Per Year?
If you pay cash for your contract, your only recurring cost is annual dues — so a 150-point membership costs roughly $1,200–$1,800 per year to own. If you finance the purchase, add your monthly loan payment on top. Spread over a contract that may run 30–40 years, most owners find the yearly cost compares favorably to paying rack rates for Deluxe Disney rooms — which is the entire value proposition of DVC.
Example: What a Real DVC Purchase Costs
Say you buy a 150-point Saratoga Springs resale contract at $80 per point:
- Purchase price: 150 × $80 = $12,000
- Closing costs: roughly $600–$900 (see our DVC closing costs guide)
- Annual dues: ~$8.50/pt × 150 = ~$1,275 per year
All in, you are around $12,700–$12,900 up front and about $1,275 per year after that. Buying the same points direct from Disney (~$185/pt) would cost roughly $27,750 up front — more than double.
Can You Finance DVC?
Yes. Many buyers finance part of the purchase, though interest rates on timeshare loans are higher than a typical mortgage. Financing raises the total cost, so paying cash (or financing the smallest amount possible) keeps DVC cheapest. We cover the real numbers in financing a DVC resale contract.
How to Pay Less for DVC
The most reliable way to lower your cost is to buy resale instead of direct, and to compare contracts across every broker before you make an offer. Prices for the exact same resort and point count can vary by thousands of dollars between brokers. DVC Market aggregates every major broker's listings in one search, so you can sort by price per point and find the best deal without visiting a dozen sites. Start on the DVC resale listings page or estimate a contract's value with our resale value estimator.
Is DVC Worth the Cost?
DVC makes financial sense if you already travel to Disney regularly and would otherwise pay for Deluxe-level rooms. The upfront cost is significant, but over a multi-decade contract the per-night cost of a DVC stay is typically far below Disney's cash rates. If you are unsure how often you will visit, or you want flexibility, renting points first is a lower-commitment way to test the waters — see our guide to renting DVC points.
Frequently Asked Questions
How much does Disney Vacation Club cost?
DVC costs $185–$260 per point direct from Disney, or $65–$165 per point on the resale market, plus annual dues of about $8–$12 per point per year. A typical 150-point contract runs roughly $12,000–$24,000 resale up front, plus $1,200–$1,800 per year in dues.
How much is a DVC membership per year?
If you pay cash, the only yearly cost is annual dues — about $1,200–$1,800 per year for a 150-point membership, depending on the resort. Financing adds a monthly loan payment on top.
Is it cheaper to buy DVC resale or direct?
Resale is almost always cheaper — typically 30–50% less per point than buying direct from Disney for the same resort and point count. The trade-off is losing a few Disney perks like member discounts and access to the Concierge Collection.
Do DVC annual dues go up every year?
Yes. Annual dues have historically risen about 3–5% per year to cover property taxes, insurance, and rising operating costs. Factor this increase into your long-term cost of ownership.
