DVC Annual Dues 2026: Complete Guide for Every Resort

Annual dues are the one cost in DVC ownership that most buyers underestimate. People focus on the purchase price, do the math, decide it's affordable, and move forward. Then they get their first dues bill and realize that this particular cost never goes away, never stays flat, and adds up to a substantial sum over a 20- or 30-year membership. Understanding dues before you purchase is worth the time.

This is the complete picture: what DVC annual dues are, what they actually pay for, what every resort charges in 2026, how they've changed over time, and how to factor them into a realistic total cost of ownership analysis.

What Annual Dues Are

Annual dues in Disney Vacation Club are maintenance fees on deeded property. Because DVC members are fractional owners of resort real estate, they share in the costs of maintaining that real estate. Dues are charged per point, per year, and they apply to every contract regardless of size, resort, or use year.

The dues rate is specific to the resort on your deed. If you own at Grand Floridian, you pay the Grand Floridian dues rate on all of your points. If you own at Vero Beach, you pay the Vero Beach rate. Two contracts at different resorts, same owner, each paying its own resort's rate.

Dues are billed annually, typically in January, covering the full calendar year. Disney offers a payment plan for members who prefer to spread the cost across monthly installments rather than paying the full year upfront.

What Annual Dues Pay For

DVC dues cover the operating costs of the resorts. That includes:

• Resort maintenance and refurbishment (room refreshes, mechanical systems, landscaping, pools)
• Housekeeping and related services (daily towel exchanges, full cleaning on departure, trash removal)
• Property taxes on the resort property
• Resort management and administration
• Insurance on the property
• Reserves for future major maintenance projects

Park admission, dining, transportation, and any other expenses outside of room accommodations are not covered by dues. Dues pay for the room. Everything else at Disney is on you.

2026 Annual Dues by Resort

The following table reflects actual 2026 dues rates from the DVC database. These are the per-point annual costs for each resort.

You can also use the annual dues calculator on our site to calculate your total annual dues obligation based on any contract size and resort. The calculator updates when Disney releases new rates each year.

What Your Dues Actually Cost Per Year

The per-point rate is somewhat abstract until you apply it to a real contract size. Here's what annual dues look like across common contract sizes at a few representative resorts:

At Saratoga Springs ($9.19/pt), a 100-point contract runs $919 per year in dues. A 150-point contract is $1,379. A 200-point contract is $1,838.

At Grand Floridian ($8.31/pt), the dues are lower: a 150-point contract costs $1,247 per year. That's $132 less per year than the same contract size at Saratoga Springs, despite Grand Floridian being a more expensive resort to purchase at retail.

At Vero Beach ($14.89/pt), the same 150-point contract runs $2,234 per year. That's nearly $1,000 more per year than Grand Floridian. Over a 15-year remaining contract life, that difference compounds to roughly $15,000 in additional dues, before any rate increases.

The dues comparison between resorts matters significantly in long-term ownership cost calculations, and it's one of the reasons resale buyers often favor WDW resorts over the off-site properties.

Why Some Resorts Have Higher Dues

The variation in dues rates reflects real differences in what it costs to operate each resort.

Vero Beach and Hilton Head are coastal properties with different operational costs than a landlocked Orlando resort. Ocean proximity means higher insurance costs, more intensive weather-related maintenance, and different infrastructure demands. The point cost at those resorts has always been higher than WDW counterparts for this reason.

Aulani in Hawaii carries higher dues than most WDW resorts due to the cost of operating a large resort in Hawaii, where labor and materials are more expensive than in central Florida.

Old Key West, despite being an older Orlando resort, has higher dues than several newer WDW properties. Older resorts that have required more significant refurbishments can carry higher dues if those costs are passed through to members in the operating budget.

At the lower end, Grand Floridian's relatively modest dues ($8.31/pt) reflect efficient operations at a well-maintained property without the coastal or remote-location cost premiums.

How Annual Dues Increase Over Time

Annual dues have increased every year since the DVC program began. The historical rate of increase across most resorts has run between 3 and 5 percent per year, though the exact rate varies by resort and by year. Some years have seen smaller increases; some have been higher.

Disney is not contractually limited in how much dues can increase year over year. The increase is governed by the actual cost of operating the resort, and members don't have a mechanism to object to or cap increases.

Modeling the compounding effect of dues increases matters for long-term ownership. If Saratoga Springs dues increase at an average of 4 percent per year, a 150-point contract that costs $1,379 today will cost approximately $2,500 per year in dues by 2045. Over a 30-year membership, the cumulative dues on a 150-point Saratoga Springs contract, at a 4 percent average annual increase, add up to somewhere around $70,000 to $75,000. That's often more than the original purchase price of the contract.

This is not a reason to avoid DVC. It is a reason to go in with accurate expectations and a realistic total cost of ownership picture.

Annual Dues and the Total Cost of Ownership

The total cost of DVC ownership has two parts: the upfront purchase price and the cumulative dues over the life of the membership.

For a resale contract, the purchase price is significantly lower than buying direct from Disney. You can view current resale listings and pricing on our DVC resale listings page. Purchasing on the secondary market doesn't change your dues rate. Dues are determined by the resort on your deed, not by how or where you purchased the membership.

Factoring both costs together, the per-night cost of a DVC stay includes: the amortized purchase price spread over the number of stays you take, plus the annual dues cost allocated to each night you book. For families who travel frequently and would otherwise be paying $400 to $600 per night for deluxe Disney accommodations, DVC can represent a meaningful savings over a 15- to 25-year horizon. For families who travel occasionally, the dues alone may make the math unfavorable.

Our Is DVC worth it? article walks through this cost analysis in detail, including the break-even point calculation for different travel frequencies.

Dues and the Decision to Sell

Annual dues transfer with the contract when you sell. If you list your DVC membership on the resale market, the buyer assumes responsibility for future dues payments at closing. Any dues that are past due or have accrued for the current year are typically pro-rated at closing.

This means that dues-heavy resorts (Vero Beach, Hilton Head, Old Key West) can be harder to sell because sophisticated buyers factor the ongoing dues cost into their offer. A contract at Vero Beach priced at what looks like a discount might still represent poor long-term value once the $14.89/pt dues are modeled over the remaining contract term.

If you're considering selling, our cost to sell DVC page outlines what you'll net at different sale prices after commission and fees.

Dues Compared to the Cost of Staying at Rack Rate

The right comparison for annual dues isn't the cost of a hotel room at a budget property. DVC villas are Disney's deluxe accommodation category. The fair comparison is what you'd pay at rack rate for the same rooms.

A studio at Saratoga Springs, booked with points, costs you the dues allocated to those points. At $9.19/pt and 8 to 12 points per night in moderate-demand season, that's $73 to $110 in annual dues per night. The same room at Disney's rack rate might be $350 to $550 per night. The differential is substantial, provided you've amortized the purchase price in a way that makes the upfront cost work for your family.

For members who use their membership consistently and who are traveling to Disney anyway, the dues-per-night cost is far lower than booking the equivalent room through Disney's reservation system. That's the value proposition of DVC.

Frequently Asked Questions

Do I still pay annual dues if I don't use my points?

Yes. Annual dues apply to every contract, every year, regardless of whether you travel or use your points. If you bank your points or let them expire, you still owe dues for that year. There is no dues waiver for unused points.

What happens to my dues if I sell my DVC contract?

When a DVC contract sells, dues are typically pro-rated at closing. The seller is responsible for dues through the closing date, and the buyer assumes dues responsibility from that point forward. Any past-due dues balances must generally be cleared before a contract can close.

Can I dispute a dues increase?

No. Dues increases are set by the resort's operating budget and are not individually appealable. Disney is not contractually obligated to cap increases at any specific rate. DVC's governing documents allow dues to reflect actual operating costs.

Why are Vero Beach dues so much higher than WDW resorts?

Vero Beach is a coastal resort in Florida, which means higher insurance costs, more intensive weather-related maintenance, and different operating dynamics than a landlocked Orlando property. The per-point dues at coastal resorts have historically been significantly higher than at Walt Disney World, and that differential has persisted throughout the life of the program.

Do dues change if I purchase a resale contract vs. direct from Disney?

No. The dues rate is tied to the resort on your deed, not to how you purchased the membership. A resale purchaser at Saratoga Springs pays the exact same $9.19 per point per year as someone who purchased the same resort directly from Disney. There is no dues premium or discount for purchasing on the secondary market.

How do I find out what my dues will be next year before the rate is officially announced?

Disney typically announces the following year's dues rates in the fall, well before they take effect in January. Keep an eye on the dues page on our site, where we update the rates as soon as Disney releases them. Prior to the official announcement, the current year's rates are your best estimate of where things are heading, with the expectation of a modest increase.