Disney Vacation Club Cost in 2026: Retail vs. Resale Prices Compared

Most people researching Disney Vacation Club for the first time are shocked when they see the retail price. Disney charges $150 to $310 per point depending on the resort, and the minimum purchase is typically 100 to 150 points. That puts the entry cost at $15,000 to $46,500 or higher before you factor in annual dues. What many buyers don't realize until later is that you can purchase the exact same contract on the resale market for 20 to 50 percent less. This guide breaks down what DVC actually costs in 2026, both retail and resale, so you know what you're getting into before you commit.

What Does Disney Vacation Club Cost in 2026?

Disney sells DVC points directly through their sales centers and online, priced by resort. Prices have risen steadily over the past several years. Here is where they stand in 2026:

• Grand Floridian Resort & Spa: $230 per point
• Riviera Resort: $243 per point
• Polynesian Villas & Bungalows: $243 per point
• Animal Kingdom Villas: $210 per point
• Saratoga Springs Resort: $205 per point
• Old Key West Resort: $205 per point

Disney requires a minimum purchase of 100 to 150 points when buying direct, depending on the resort. At those minimums, you are looking at a starting price of around $20,500 at entry-level Walt Disney World resorts and $41,250 or more for a premium resort like Bay Lake Tower. That is the purchase price alone. Annual dues are an additional cost paid every year on top of what you paid to buy in.

Annual Dues on Top of the Purchase Price

Annual dues run $8 to $15 per point per year depending on the resort and location. On a 150-point contract, that is $1,200 to $2,200 per year, every year, for the life of the contract. Disney contracts run 25 to 50 years depending on when they were created. Dues go up a little each year and are paid whether you use your points or not.

DVC Resale Cost in 2026

When a DVC owner decides to sell their contract, it goes on the resale market. You are buying the same points, the same resort, the same use year, and the same contract from Disney. The only difference is the price. Resale contracts trade at a significant discount to what Disney charges retail because Disney is no longer earning a commission and the resale buyer skips a few newer-resort perks like Disney Collection bookings.

Here are the current Disney direct prices per point for the most popular Walt Disney World and other DVC resorts in 2026:

For current resale prices, browse active DVC resale listings — prices vary by resort, contract size, and points available.

Resale contracts typically start at 50 to 100 points, which is a lower minimum than buying direct from Disney at some resorts. Annual dues are identical for resale buyers and direct buyers. There is no dues penalty for going the resale route.

Closing Costs on Resale Contracts

Resale purchases do have closing costs that a direct purchase does not always spell out separately. Expect to pay $500 to $750 in closing costs on a resale transaction. That covers title search, escrow, and transfer fees. On a $16,500 contract, it adds about 3 to 4 percent to your total out-of-pocket cost. Still well below what you would spend buying direct.

The True Cost of DVC Ownership

To understand what DVC actually costs over time, you need to look at more than the purchase price. Here are the three real numbers:

• Purchase price (one-time): What you pay to buy the contract, either retail or resale.
• Annual dues (every year): Maintenance fees paid to Disney regardless of whether you use your points that year.
• Closing costs (one-time, resale only): Title and transfer fees, typically $500 to $750.

Let us run a concrete example. A 150-point Saratoga Springs resale contract purchased below the Disney direct price of $205 costs significantly less upfront. As a representative example: buying at $106 per point costs $15,900, plus $600 in closing costs, for $16,500 out of pocket on day one. Annual dues at Saratoga Springs are $9.19 per point in 2026, so 150 points costs $1,379 per year. Over 10 years that is $13,790 in dues on top of the purchase price, for a 10-year total cost of roughly $30,290.

That same 150-point contract bought direct from Disney at $205 per point costs $30,750 upfront, plus $13,790 in dues over 10 years, for a total of $44,540. The resale buyer saves over $14,000 in that scenario, and they are staying in the same room at the same resort booking the same points.

What Are DVC Annual Dues?

Annual dues are the ongoing maintenance fees that every DVC owner pays to Disney each year. They cover the cost of operating and maintaining the resort, staffing, landscaping, housekeeping for common areas, reserves for major repairs, and Disney's management fee. They are not optional. If you own DVC, you pay dues.

Dues are calculated per point and vary by resort. Older resorts with lower construction costs tend to have lower dues. Newer resorts with more amenities tend to run higher. In 2026, dues range from roughly $7.00 per point per year at some older resorts to over $10.00 per point per year at newer ones. Dues increase each year, typically by 3 to 5 percent, though the exact amount varies.

For a full breakdown of current dues by resort, see the DVC annual dues page.

One Important Thing About Dues

Dues are the same for resale buyers and direct buyers at the same resort. You do not pay a higher dues rate because you bought on the resale market. Your only ongoing cost difference is zero. The savings are entirely on the purchase price side.

Is DVC Resale Worth the Cost?

Whether DVC is worth buying depends on how much you actually use it. If you visit Disney World or Disneyland at least once a year and stay in a Deluxe resort, the math tends to work in your favor over a 10-year horizon. If you go every few years, it is a harder case to make.

Here is the basic break-even comparison. A studio villa at a Walt Disney World Deluxe resort runs $500 to $800 per night booked through Disney directly, depending on season. With a 150-point contract, you can book roughly 7 to 10 nights per year in a studio depending on the time of year you visit. At $600 per night average, that is $4,200 to $6,000 per year in hotel costs replaced. Your annual dues on a 150-point contract run about $1,050 to $1,500. The net savings per year are roughly $2,700 to $4,500.

Over 10 years, that is $27,000 to $45,000 in hotel costs avoided, compared to a $16,500 total outlay for the resale contract plus dues. The break-even point on a resale purchase at those usage levels is typically 4 to 6 years. After that, every trip is deeply discounted compared to booking at rack rates.

Buying retail instead of resale pushes your break-even out by 2 to 3 additional years because of the higher upfront cost. The vacation experience is identical. The only difference is how long it takes to come out ahead financially.

To run the numbers on a specific resort and contract size, use the DVC resale value calculator.

What Resale Buyers Give Up

Resale buyers at Riviera Resort and future Disney-sold resorts cannot book outside their home resort during the 7-month booking window using the Disney Collection. At all other resorts, resale buyers have full booking access through the 11-month home resort window and the 7-month open window. For most buyers, this restriction does not matter in practice because they primarily use their home resort anyway.

Resale buyers also do not qualify for Disney Cruise Line discounts, Concierge Collection bookings, or Adventure Collection bookings that come with direct purchase at some resorts. These perks have real value for some buyers and no value for others. Know what you actually want to use before you let those perks tip the decision.

Browse Current DVC Resale Listings

The best way to understand real market prices is to look at what is actually for sale right now. Resale prices fluctuate based on resort, contract size, use year, and available points. A 50-point contract at one resort might list at a different price per point than a 200-point contract at the same resort because of how buyers and sellers price smaller versus larger contracts.

You can browse active DVC resale listings on the DVC resale listings page, filtered by resort, price, and contract size. Every listing shows the full breakdown including points available, closing date, annual dues, and asking price so you can compare total cost across contracts before you make an offer.