How Much Does a DVC Resale Contract Actually Cost in 2026?

If you've been researching Disney Vacation Club on the resale market, you've probably noticed that pricing can feel like a moving target. One listing says $120 per point, another says $180, and then there are fees on top of fees that nobody seems to explain very clearly. So let's fix that.

This is a complete, honest breakdown of what a DVC resale contract actually costs in 2026. Not just the per point price, but every dollar you'll spend from the moment you say "I want that one" to the moment you're booking your first trip at 11 months out.

The Three Layers of DVC Resale Cost

When you purchase a DVC resale contract, there are three categories of cost to think about. The first is the contract price itself, which is the per point price multiplied by the number of points on the contract. The second is closing costs and fees, which are one time expenses paid at the time of closing. The third is annual dues, which you'll pay every year for the life of your ownership. Let's walk through each one.

Layer 1: The Contract Price

Resale prices in 2026 vary dramatically depending on the resort. A 150 point contract at Saratoga Springs will cost you significantly less per point than a 150 point contract at Bay Lake Tower or Beach Club. That's because demand, location, and the remaining years on the contract all affect pricing.

The best way to understand where prices stand right now is to browse current DVC resale listings and compare what's available across resorts. Prices shift month to month based on inventory and demand, so what you see today may look different in six weeks.

To give you a reference point, here's what Disney charges for brand new points purchased directly through them in 2026:

• Vero Beach: $150 per point
• Hilton Head: $165 per point
• Saratoga Springs: $205 per point
• Old Key West: $205 per point
• Animal Kingdom Lodge: $210 per point
• Boulder Ridge at Wilderness Lodge: $215 per point
• Grand Floridian: $230 per point
• Boardwalk: $240 per point
• Riviera: $243 per point
• Polynesian: $243 per point
• Aulani: $243 per point
• Disneyland Hotel: $248 per point
• Copper Creek: $250 per point
• Beach Club: $275 per point
• Bay Lake Tower: $275 per point
• Grand Californian: $310 per point

You can see the full comparison on our DVC retail prices page. Resale contracts at most of these resorts trade at a significant discount to Disney's direct pricing. That discount is, frankly, the whole reason the resale market exists. You're getting the same points, the same rooms, and the same booking window at your home resort for a fraction of what Disney charges.

How big is that fraction? It depends on the resort. Some of the older resorts with shorter remaining contract terms trade at 40% to 60% below retail. Newer or more popular resorts might trade at 15% to 30% below retail. And a handful of resorts, particularly those with very high demand and limited resale inventory, trade closer to retail pricing.

Layer 2: Closing Costs and Fees

This is where most first time DVC buyers get surprised. The per point price is not the only check you'll write at closing. There are several additional costs, and they're worth understanding before you make an offer.

Disney's $500 Administration Fee

Disney charges every buyer a flat $500 administration fee when a resale contract changes hands. This fee is non negotiable. It applies regardless of the resort, the contract size, or the purchase price. Think of it as Disney's processing fee for updating their records and transferring the membership into your name.

Title and Closing Costs

Because DVC contracts are deeded real estate, the closing process looks a lot like purchasing a home, just on a smaller scale. A title company handles the paperwork, and their fees typically run between $300 and $600 depending on the company and the complexity of the transaction. This covers the title search, document preparation, recording fees, and escrow services.

The Seller's Costs (Not Yours, But Good to Know)

On the other side of the transaction, the seller pays Disney a $150 estoppel fee. This is the fee Disney charges to produce the estoppel certificate, which is the official document confirming the contract's status, any outstanding dues, and the current point balance. The seller also pays the brokerage commission. At DVC Sales, our commission rate is 6.9%, compared to the industry average of 9.5%. This matters to you as a buyer because lower commission means sellers can accept lower offers without losing money, which keeps prices more competitive across the board.

Adding It All Up: A Real Example

Let's say you find a 160 point contract at Animal Kingdom Lodge listed at $140 per point. Here's what the total cost looks like:

• Contract price: 160 points x $140 = $22,400
• Disney administration fee: $500
• Title and closing costs: approximately $400
• Total out of pocket: approximately $23,300

Compare that to purchasing 160 points directly from Disney at $210 per point, which would cost $33,600 before any add on fees. The resale route saves you over $10,000 on this particular example.

That said, the savings vary by resort. A high demand resort like Bay Lake Tower or Beach Club will have a smaller gap between resale and retail pricing. A lower demand resort like Saratoga Springs or Old Key West will have a much larger gap.

Layer 3: Annual Dues

Annual dues are the ongoing cost of DVC ownership, and they're something every owner pays regardless of whether they purchased resale or direct from Disney. These dues cover property taxes, insurance, maintenance, and the resort's operating expenses. They're assessed per point, and they vary by resort.

Here are the 2026 annual dues per point for every DVC resort:

• Grand Floridian: $8.31 per point
• Polynesian: $8.33 per point
• Bay Lake Tower: $8.74 per point
• Copper Creek: $9.02 per point
• Saratoga Springs: $9.19 per point
• Riviera: $9.46 per point
• Boardwalk: $9.67 per point
• Boulder Ridge: $9.77 per point
• Beach Club: $9.81 per point
• Animal Kingdom Lodge: $10.16 per point
• Disneyland Hotel: $10.54 per point
• Aulani: $10.96 per point
• Old Key West: $11.21 per point
• Cabins at Fort Wilderness: $12.28 per point
• Hilton Head: $12.86 per point
• Vero Beach: $14.89 per point

For a deeper look at how dues have changed over time, visit our DVC annual dues page.

Using our 160 point Animal Kingdom example, annual dues would be 160 x $10.16 = $1,625.60 per year. That's a real, recurring cost. It doesn't go away, and it typically increases by 3% to 5% per year. Over a 10 year stretch, you should expect to pay somewhere around $18,000 to $20,000 in dues on a 160 point contract at that resort.

Annual dues are probably the most overlooked cost in the entire DVC conversation. People get so focused on the purchase price that they forget about the $1,600 bill that shows up every January. When you're comparing resorts, don't just compare purchase prices. Compare the total annual cost of ownership.

What About ROFR?

ROFR stands for Right of First Refusal, and it's a step in the resale process that's unique to DVC. After you and a seller agree on a price and sign a contract, Disney has 30 days to review the transaction. During that window, Disney can choose to step in, match the agreed upon price, and purchase the contract themselves instead of letting it transfer to you.

ROFR doesn't cost you anything directly. If Disney exercises their right, the transaction simply doesn't happen. You get your deposit back, and you start looking for another contract. But it does cost you time, and for some buyers it costs them a deal they were excited about.

Disney tends to exercise ROFR on contracts priced well below market value, particularly at popular resorts. If you're trying to get a screaming deal at Bay Lake Tower or Grand Floridian, there's a higher chance Disney steps in. If you're paying a fair market price, most contracts pass ROFR without any issue.

The practical impact is this: budget an extra 30 to 45 days into your timeline. From offer to closing, a typical DVC resale transaction takes about 45 to 60 days total, with the ROFR waiting period being the biggest chunk of that.

Resale vs. Direct: What Are You Actually Giving Up?

This is the question that keeps people up at night, so let's address it head on. When you purchase DVC on the resale market instead of directly from Disney, there are a few perks you won't have access to. The biggest one is that resale buyers at most resorts cannot book stays at Disney's newer DVC properties that were built after certain cutoff dates. Riviera Resort, for example, is restricted from resale point usage entirely.

Resale buyers also don't get access to certain member perks like the Disney Vacation Club member lounge at Epcot, discounts on Annual Passes, and some dining and merchandise discounts. These are nice to have perks, not deal breakers for most families. You still get full access to your home resort at the 11 month booking window and all DVC resorts at the 7 month window (with the restrictions noted above). You still get the same rooms, the same housekeeping, the same experience once you're on property.

For a more detailed look at how all of this works, our How DVC Works page walks through the entire ownership structure.

The math tells the real story. If you're saving $10,000, $15,000, or even $20,000 on the purchase price by going resale, that's a lot of member lounge visits and Annual Pass discounts you'd need to recoup to make the direct purchase worthwhile. For the vast majority of families, resale is the smarter financial move.

The Total Cost Picture: Year One and Beyond

Let's put everything together with a concrete example. Say you purchase a 200 point contract at Saratoga Springs at $110 per point on the resale market.

Your year one costs look like this:

• Contract price: 200 x $110 = $22,000
• Disney administration fee: $500
• Closing costs: approximately $400
• Annual dues (2026): 200 x $9.19 = $1,838
• Year one total: approximately $24,738

Compare that to purchasing the same 200 points directly from Disney at $205 per point:

• Direct purchase price: 200 x $205 = $41,000
• Annual dues (2026): 200 x $9.19 = $1,838
• Year one total: approximately $42,838

The resale savings in year one alone: over $18,000. And the annual dues are identical regardless of how you purchased.

From year two forward, the ongoing cost is just annual dues. For a 200 point Saratoga contract, that's roughly $1,838 per year at 2026 rates. Spread across a week long trip for a family of four, that works out to about $263 per night for a studio or one bedroom villa at a Disney resort. That's a fraction of what you'd pay for a comparable room at rack rates.

Financing Options

Not everyone wants to write a check for $20,000 or more, and that's perfectly reasonable. DVC resale contracts can be financed, though the options are different from a traditional mortgage. Most DVC buyers who finance their purchase work with lenders that specialize in timeshare and vacation ownership financing. Loan terms typically range from 5 to 10 years with interest rates that are higher than a primary mortgage but lower than credit card rates.

If you're considering financing, our DVC financing page has more details on what's available and how the process works.

One thing to keep in mind: when you finance, you're paying interest on top of the purchase price, which reduces your overall savings compared to purchasing direct. Run the numbers carefully. For some buyers, a smaller contract purchased with cash makes more financial sense than a larger contract purchased with a loan.

Hidden Costs (That Aren't Really Hidden)

There are a few other costs that catch people off guard, not because they're hidden but because nobody mentions them until later in the process.

Property taxes on your DVC interest are included in your annual dues, so you don't get a separate tax bill. But you should know that the dues increase every year. Historically, DVC dues have gone up about 3% to 5% annually. Over a 20 year ownership period, that compounds. A resort charging $9.00 per point today could easily be charging $14.00 to $16.00 per point in 15 years.

There's no cost for banking or borrowing points within the DVC system, but there are deadlines and restrictions. Missing a banking deadline means losing those points, which has a real dollar value. If you own 200 points and forget to bank, you've effectively lost $1,838 worth of dues paid on points you can't use.

And if you ever decide to sell your contract down the road, you'll pay the brokerage commission and the $150 estoppel fee. Our cost to sell DVC page breaks down exactly what sellers can expect.

So What Does It Really Cost?

The honest answer depends on the resort, the contract size, and whether you finance or pay cash. But here's a general framework.

For a mid range resort like Saratoga Springs, Old Key West, or Animal Kingdom Lodge, expect to pay $100 to $150 per point on the resale market. Add $900 to $1,000 in closing costs and Disney fees. Then budget for annual dues of $9.00 to $11.00 per point every year going forward.

For a premium resort like Bay Lake Tower, Beach Club, or Grand Floridian, expect to pay $150 to $200+ per point. Closing costs and fees are the same flat amounts regardless of resort. Annual dues at these resorts tend to be lower per point, ranging from $8.31 to $9.81.

A typical family purchasing 150 to 200 points at a mid range resort is looking at $18,000 to $30,000 all in for year one, with annual dues of $1,400 to $2,200 per year after that.

That might sound like a lot of money, and it is. DVC ownership is a real financial commitment. But when you compare it to paying rack rates at Disney resorts year after year, or to purchasing direct from Disney at prices that are 30% to 50% higher, the resale math is hard to argue with. After 25 years and over 10,000 contracts closed, I can tell you that the families who take time to understand the full cost picture before they purchase are the ones who enjoy their ownership the most. They know exactly what they're paying, exactly what they're getting, and exactly how much they saved.

If you're ready to start looking, browse our current DVC resale listings to see what's available today. And if you have questions about any of the costs covered here, our team is happy to walk through the numbers with you.