Disney Vacation Club Cost: Prices, Fees & Ways to Save

Disney Vacation Club is a points-based timeshare. You buy a block of vacation points, and each year those points pay for stays at Disney-affiliated resorts. The price of membership has three parts: the upfront purchase, the yearly dues, and the cost of financing if you do not pay cash.

The purchase price depends on the resort where you buy and on whether you buy from Disney or from an existing member. This guide covers Disney's direct prices and the annual dues. Resale prices change listing by listing, so ask a licensed DVC resale broker for current numbers.

At the resorts Disney is selling today, direct prices run from $215 to $275 per point, with many in the middle near $243. Riviera Resort and Polynesian Villas & Bungalows are each $243 per point. Grand Floridian Villas is $265, and Bay Lake Tower is $275.

Older resorts cost less per point. Saratoga Springs and Old Key West are each $215, and Copper Creek Villas & Cabins is $255. The Grand Californian Villas at Disneyland is the highest on the list at $330 per point.

What a contract costs in total

Multiply the per-point price by the number of points you buy to get the base price of a contract. A bigger contract earns more nights each year, so the right size depends on how often you travel and which resorts and room types you want. New members must buy at least 100 points at the resorts shown here.

Closing costs and any financing charges are separate. Disney and the title company can give you a written estimate before you sign.

Every member pays dues each year, set per point owned. Dues cover maintenance, taxes, and operating costs of the resorts, and they typically rise from year to year. Per DVCNews, the 2026 rate differs by resort.

Old Key West charges $11.21 per point, Riviera Resort $9.45, Polynesian Villas & Bungalows $8.33, and Grand Floridian Villas $8.31. Multiply the rate by your point total to see the yearly bill. Dues are owed whether or not you take a trip that year.

A resort with a lower purchase price does not always have lower dues. Old Key West costs less to buy than Riviera yet charges higher dues per point, so compare both numbers before you decide.

• Home resort: each resort has its own purchase price, dues rate, and ownership end date.
• Number of points: more points mean a higher price and higher dues.
• Direct versus resale: buying from Disney carries a different price and different benefits from buying from a current member.
• Promotions: Disney runs incentives that can lower the net price. The DVCNews pricing page lists current offers and their expiration dates.
• Financing: paying over time adds interest to the total.
• Closing costs and fees: these vary by purchase type.

Buying direct from Disney gives you the full set of membership benefits and access to current promotions. Resale contracts are cheaper per point, but they can come with restrictions on where and how you book. Before you buy resale, ask a licensed broker or attorney which benefits transfer with the contract and which do not.

Do not assume a resale price covers everything. Ask what closing costs, transfer fees, and current-year dues you would owe at closing.

That depends on how you travel. Members who visit Disney destinations most years and use the points for stays can spread the cost across many trips. Members who travel there rarely may pay dues for stays they do not take. Compare the total you would spend on dues and financing against what you would pay for the same hotel nights on your own.

This is a financial commitment that can last for decades. Talk to a licensed financial adviser or attorney before signing a contract.

• Compare each resort's purchase price and annual dues side by side.
• Check Disney's current promotions before you commit.
• Pay cash if you can, since financing adds interest.
• Buy only the points you will use.
• Read the contract's ownership end date and resale rules.