How Much Does DVC Cost? Complete 2026 Price Guide
Updated August 2026. Disney direct prices and annual dues across all DVC resorts.
DVC has two main costs: the purchase price you pay once, and the annual dues you pay every year for as long as you own the contract. Here is a complete breakdown of both for 2026.
DVC Resorts: Annual Dues and Contract Expiration (2026)
Annual dues vary by resort and increase each year. The table below shows 2026 per-point dues and contract expiration for each DVC resort. For current resale pricing, browse our active listings.
| Resort | Contract Expires | 2026 Annual Dues/pt | Current Listings |
|---|---|---|---|
| Grand Floridian Resort and Spa | 2064 | $8.31 | View listings → |
| Polynesian Villas and Bungalows | 2066 | $8.33 | View listings → |
| Bay Lake Tower at Contemporary | 2060 | $8.74 | View listings → |
| Copper Creek at Wilderness Lodge | 2068 | $9.02 | View listings → |
| Saratoga Springs | 2054 | $9.19 | View listings → |
| Riviera Resort | 2070 | $9.46 | View listings → |
| Boardwalk Villas | 2042 | $9.67 | View listings → |
| Boulder Ridge at Wilderness Lodge | 2042 | $9.77 | View listings → |
| Beach Club Villas | 2042 | $9.81 | View listings → |
| Animal Kingdom Lodge (Kidani) | 2057 | $10.16 | View listings → |
| Disneyland Hotel | 2060 | $10.54 | View listings → |
| Aulani, Hawaii | 2062 | $10.96 | View listings → |
| Old Key West | 2057 | $11.21 | View listings → |
| Cabins at Fort Wilderness | 2048 | $12.28 | View listings → |
| Hilton Head Island | 2042 | $12.86 | View listings → |
| Vero Beach | 2042 | $14.89 | View listings → |
Vero Beach and Hilton Head carry higher dues partly because their contracts expire in 2042. Resale pricing for any resort depends on current supply and demand — browse active listings for live market pricing.
DVC Direct Prices from Disney
Disney sells DVC directly at retail prices that are significantly higher than the resale market. As of 2026, direct prices range from approximately $200-250 per point depending on the resort. Disney occasionally offers incentives such as discounted pricing on smaller add-on contracts or free points, but these rarely close the gap with resale on contracts of 100 points or more.
Buying direct gives you the Blue Card membership tier, which provides access to Disney Collection hotels, Concierge Collection properties, and RCI exchange. Most buyers who primarily want DVC resort access find the Blue Card perks are not worth the $80-120 per point premium over resale.
Annual Dues: The Ongoing Cost
Annual dues are paid every year regardless of whether you use your points. They cover resort maintenance, housekeeping of common areas, resort operations, and property taxes. Dues increase annually, typically 2-4%, so you should plan for slightly higher dues each year you own.
The dues table above shows 2026 per-point rates. For a 150-point contract, here is the annual dues cost at each resort:
- Grand Floridian: $1,247/year (150 x $8.31)
- Polynesian: $1,250/year (150 x $8.33)
- Bay Lake Tower: $1,311/year (150 x $8.74)
- Copper Creek: $1,353/year (150 x $9.02)
- Saratoga Springs: $1,379/year (150 x $9.19)
- Boardwalk: $1,451/year (150 x $9.67)
- Aulani: $1,644/year (150 x $10.96)
- Vero Beach: $2,234/year (150 x $14.89)
Closing Costs
When buying DVC resale, buyers pay closing costs in addition to the purchase price. Typical closing costs for a resale transaction:
- Title search and insurance: $300-450
- Escrow and closing fee: $200-350
- Estoppel fee (Disney confirms contract status): $125-175
- Deed recording (Orange County, FL): $50-100
- Disney resale transfer fee: $500
- Total closing costs: approximately $1,175-1,575
Broker commission on a resale purchase is paid by the seller, not the buyer. You do not pay the broker fee.
Ten-Year Total Cost Example
The best way to evaluate whether DVC makes financial sense is to look at the total cost over the period you plan to own it, compared to what you would otherwise spend on Disney accommodations.
Example: 150 Points at Saratoga Springs, 10 Years
For context, a standard studio at Saratoga Springs in a moderate season requires 90-110 points for one week. At a non-DVC Disney hotel, a comparable room runs $350-500 per night, or $2,450-3,500 for seven nights. Over 10 years, that same hotel stay would cost $24,500-35,000 without accounting for price increases, which at Disney have historically averaged 4-6% per year.
How Many Points Do You Need?
Point requirements vary by resort, villa type, and season. Here are typical weekly requirements at Walt Disney World for planning purposes:
- Studio (sleeps 4): 70-130 points for one week in standard season
- One-bedroom villa (sleeps 4-5): 130-220 points for one week in standard season
- Two-bedroom villa (sleeps 8-9): 200-350 points for one week in standard season
- Three-bedroom grand villa (sleeps 12): 300-500 points for one week in standard season
Most first-time buyers start with 100-150 points for studio accommodations one week per year. If you plan to stay in larger villas or travel during peak seasons (Christmas, spring break, summer), plan for 200 points or more.
Frequently Asked Questions
How much does a DVC membership cost?
Buying direct from Disney costs $200-250 per point. Resale prices vary by resort — browse active listings for current market pricing. Annual dues of $8.31 to $14.89 per point are paid every year on top of the purchase price.
What is a good price for DVC resale?
A good price depends on the resort and current market conditions. Contracts 10% or more below market sell very quickly. Use our DVC resale value calculator to evaluate any contract, or browse active listings to see current asking prices by resort.
How many DVC points do I need?
Most families visiting Walt Disney World once per year in a studio need 100-150 points. If you want a one-bedroom villa or plan to travel in peak season, plan for 175-250 points. Buying too few points limits booking flexibility significantly, especially for in-demand resorts like Polynesian and Grand Floridian.
Is DVC expensive to maintain?
Annual dues are the main ongoing cost. In 2026, dues range from $8.31 per point at Grand Floridian to $14.89 per point at Vero Beach. A 150-point contract costs $1,247-2,234 per year in dues depending on the resort. Dues increase each year, typically 2-4%. There are no other recurring fees beyond dues.
Can you negotiate DVC resale prices?
Yes. Resale contracts are listed by private sellers, and prices are negotiable. Contracts that have been listed for more than 30 days often have motivated sellers willing to accept offers below list price. Contracts with unusual point configurations (very few or very many points) or short remaining contract life are particularly negotiable.
Ready to see what is available? Browse current DVC resale listings or contact us to discuss what fits your budget and usage goals.
FL License BK511192. Mark sold DVC directly for Disney from 1993 to 2016, closing 10,000+ contracts and earning Salesperson of the Year twice. He founded DVC Sales in 2016 and has closed 10,000+ resale transactions since. Last updated: August 2026
I've dealt with Mark for over 20 years, he's always available to answer my silly questions, and give honest advice, even if it's to his detriment. When the time comes to sell, Mark will be my first call.
Bruce Haynes / Verified Google ReviewWe want to thank the staff at DVC Sales for their great help and outstanding service while our family purchased our Vero Beach contract. We spoke with Mark Webb who helped us submit our offer. Within the week, the transaction was closed.
Frank Knight / Verified Google Review, Vero Beach buyerDisclosure: DVC Sales is a licensed Florida real estate brokerage (License BK511192). We earn revenue from seller commissions at 6.9%. We don't charge buyers a fee. This article is written to inform, not to minimize trade-offs or push a sale.
