How Much Do DVC Points Cost: The 2026 Price Guide
Last updated: April 2026, prices show the February 2026 direct price increases and March 2026 resale market data.
TLDR: The DVC points cost in 2026 ranges roughly from $220 to $228 per point when buying direct from Disney, and about $95 to $160 per point on the resale market. Annual dues add $8.31-$14.89 per point every year on top of your purchase price. The average resale price across all resorts was $123/point as of March 2026. Your total cost depends on the resort, how many points you buy, and ongoing annual dues. If you travel to Disney often and prefer deluxe resorts, DVC can make sense. Alternative, if not, it can get expensive fast.
Direct vs. Resale: The Price Gap in 2026
There are two ways to buy DVC points: direct from Disney or resale through a licensed broker. This single decision is the biggest lever on your total cost.
Buying direct from Disney means full perks — access to Membership Magic events, Disney Cruise Line redemptions, Adventures by Disney, and certain member-only discounts. You also pay a premium for all of it. Effective February 10, 2026, Disney raised direct prices at several actively selling resorts.
Buying resale means purchasing an existing contract from another owner. The core ownership rights are identical — same resorts, same booking windows, same point charts. You lose access to a handful of extras (primarily Moonlight Magic events and cruise redemptions) but save tens of thousands of dollars. DVC resale contracts typically cost 35–53% less than direct purchase prices in 2026.
New in 2026: Disney added a $500 resale admin fee charged to buyers closing on resale contracts. Factor this into your comparison, especially on smaller contracts where it represents a higher per-point premium.
DVC Points Cost in 2026 by Resort
The table shows direct purchase prices following Disney’s February 2026 price increase. Also it shows average resale market prices sourced from DVC Resale Market’s March 2026 data. Resale prices vary by contract size, points availability, and market conditions, treat these as reliable benchmarks, not guarantees.
| Resort | Tier | Direct Price/pt | Resale Avg/pt | Savings (Resale) | Contract Expires |
|---|---|---|---|---|---|
| Villas at Disneyland Hotel | Luxury | $248 | ~$145–$160 | ~38–41% | 2075 |
| Riviera Resort | Luxury | $243 | ~$115–$135 | ~44–53% | 2070 |
| Polynesian Villas & Bungalows | Luxury | $243 | ~$130–$155 | ~36–46% | 2066 |
| Aulani, Ko Olina, Hawai’i | Luxury | $243 | ~$110–$130 | ~46–55% | 2062 |
| Cabins at Fort Wilderness | Luxury | $243 | N/A (new) | — | 2074 |
| Villas at Grand Floridian | Mid-Tier | $220–$235* | ~$140–$160 | ~32–40% | 2064 |
| Bay Lake Tower | Mid-Tier | $220–$235* | ~$130–$155 | ~34–41% | 2060 |
| Beach Club Villas | Mid-Tier | $220–$235* | ~$125–$150 | ~36–44% | 2042 |
| BoardWalk Villas | Mid-Tier | $220–$235* | ~$115–$135 | ~40–48% | 2042 |
| Copper Creek (Wilderness Lodge) | Mid-Tier | $220–$235* | ~$120–$140 | ~40–46% | 2068 |
| Animal Kingdom Villas | Mid-Tier | $220–$235* | ~$110–$130 | ~44–50% | 2057 |
| Saratoga Springs Resort | Value | $220–$230* | ~$105–$125 | ~43–52% | 2054 |
| Old Key West Resort | Value | $220–$230* | ~$95–$115 | ~47–57% | 2042/2057** |
*Sold-out resorts — resale is the primary purchase channel. **Old Key West has extended and non-extended contracts. Sources: DVC Fan (Feb 2026 price increase), DVC Resale Market (March 2026 resale averages).
Important: Dues are billed annually by January 15 and must be paid to maintain booking rights. You can choose to pay in full or enroll in monthly automatic payments at no additional charge. Expect dues to continue rising — historically 3–5% per year, though 2026’s 6.38% average increase signals accelerating costs.
Here’s a rough breakdown of what people are seeing in 2026:
Luxury tier resorts like Grand Floridian, Polynesian, and Riviera often run $220 to $243 per point direct. On resale, they might be $130 to $160.
Mid-tier resorts like Bay Lake Tower, BoardWalk, and Beach Club usually sit around $220 to $235 direct and $115 to $155 resale.
Lower-cost resorts like Saratoga Springs and Old Key West tend to run $220 to $230 direct and $95 to $125 resale.
Why the difference? Location. Demand. Point charts. And how new the resort is. Newer resorts always cost more. Disney prices them that way on purpose.
Also, honestly, a “cheaper” resort isn’t worse. I’ve stayed at Old Key West more times than I can count. It’s huge, green, and relaxed. Price doesn’t equal quality here.
What DVC Really Costs: Total Ownership Examples
The per-point price is just the entry fee. Here’s what real ownership looks like over a 10-year horizon for a 150-point contract — the most common starter size.
| Direct Purchase | Resale Purchase | |
|---|---|---|
| Purchase price (150 pts) | $33,000 | $17,250 |
| Closing costs (est.) | $500 | $1,000 + $500 admin fee |
| Annual dues (2026, 150 pts) | $1,379/yr | $1,379/yr |
| 10-year dues total (est. 5%/yr increase) | $17,352 | $17,352 |
| 10-Year Total Cost | $50,852 | $36,102 |
Direct price used: $220/pt. Resale price used: $115/pt (mid-range March 2026 avg). Does not include financing costs.
The resale advantage — roughly $14,750 over 10 years in this example — represents actual savings on the same underlying asset: the same resort, the same rooms, the same point chart.
How Many DVC Points Do You Actually Need?
Points needed vary dramatically based on four factors: resort, room type, season, and whether you’re booking on weeknights versus weekends.
To give you a realistic range for 2026 Deluxe Studio stays (the most popular room type — sleeps 4, includes a kitchenette):
| Resort | Low Season (7 nights) | Regular Season (7 nights) | Peak Season (7 nights) |
|---|---|---|---|
| Saratoga Springs | ~77 pts | ~101 pts | ~147 pts |
| Animal Kingdom Villas | ~84 pts | ~112 pts | ~154 pts |
| BoardWalk Villas | ~91 pts | ~119 pts | ~175 pts |
| Bay Lake Tower | ~98 pts | ~126 pts | ~196 pts |
| Polynesian Villas | ~105 pts | ~140 pts | ~210 pts |
| Grand Floridian | ~112 pts | ~147 pts | ~224 pts |
Point estimates based on 2026 DVC point charts (Sun–Thu stays, standard/resort view). Peak season includes spring break (late March–early April) and Christmas week. Always verify exact requirements using the official DVC point calculator before purchasing.
The practical takeaway: 150 points is enough for a comfortable annual studio stay at most resorts in regular season. For peak travel or larger rooms, 200 points gives you meaningful flexibility. Most first-time buyers land in the 150–200 point range for a reason.
Banking, Borrowing & the Weekday Strategy
One of the genuine advantages of DVC is the ability to bank unused points into the following year, or borrow next year’s points for a bigger trip now.
Banking lets you carry forward unused points from one Use Year to the next. If you own 150 points and only use 90 one year, you can bank the remaining 60. The following year you’d have 210 points — enough for a larger room, peak season travel, or a longer stay.
Borrowing works in reverse: pull points from the upcoming Use Year to supplement the current one. It works well for planned splurges, but frequent borrowing quietly depletes future vacations. Use it sparingly.
The weekday strategy is one of the most underutilized ways to stretch points. Weekend nights (Friday and Saturday) cost significantly more on the DVC point chart than weekday nights. If your schedule allows a Sunday–Thursday trip, your points can go 20–30% further versus a Friday–Sunday stay.
Hidden Costs Most Buyers Miss
The per-point purchase price gets the attention, but several other costs have real impact on the total investment:
- Closing costs: Typically $500–$1,500 for resale transactions, depending on contract size and title company. Direct purchases through Disney generally have lower or waived closing costs.
- $500 DVC resale admin fee: Introduced in late 2025, this fee is charged to resale buyers by Disney on top of standard closing costs.
- Financing costs: Disney’s in-house financing runs 9–17.5% APR depending on your credit. A $20,000 loan at 14% over 10 years costs roughly $15,000 in interest — nearly doubling your purchase cost.
- Annual dues increases: 2026 saw a 6.38% average increase. Even at a conservative 4% annual increase, $1,350 in dues today becomes approximately $2,000 in 15 years.
- Park tickets, flights, food: DVC covers the room only. Budget accordingly — these expenses often exceed the annual dues for a family trip.
- One-time-use points: If you run short on points, DVC sells supplemental points at $22.50/point (as of March 2026, up from $20/point inclusive of tax).
Is DVC Worth It in 2026?
It depends entirely on your travel patterns. Here’s a clear framework:
DVC tends to make financial sense if you: already spend about $400-$600+ a night on Disney deluxe resort rooms, travel to Walt Disney World or Disneyland at least once per year AND plan to continue doing so for the next 10–15 years, AND are comfortable with a long-term financial commitment.
DVC probably isn’t worth it if you: typically stay at value or moderate resorts, travel to Disney less than every other year, frequently change vacation destinations, or would need to finance the purchase at high interest rates.
The resale market changes the math in a big way. At $115/point resale versus $220/point direct for a comparable resort, you’re buying the same vacations for about half the entry cost. For the right buyer, that gap represents genuine long-term value. For the wrong buyer, even the lowest resale price is may be tied up in a 30+ year obligation.
One more thing worth noting: most DVC contracts run to 2054–2068. That’s a long time to predict your life, health, income, and vacation preferences. Buy conservatively, factor in the annual dues trajectory, and resist the pressure tactics Disney’s sales team is trained to use.
Frequently Asked Questions: DVC Points Cost 2026
How much do DVC points cost in 2026?
DVC points cost between $220 and $248 per point when bought directly from Disney in 2026. On the resale, the average across all resorts is about $123 per point (March 2026). Individual resorts range from around $95 (Old Key West) to $160 (Grand Floridian, Bay Lake Tower).
Did DVC raise prices in 2026?
Yes. Effective February 10, 2026, Disney has raised their direct purchase prices at the Polynesian ($235 to $243), Riviera ($235 to $243), Fort Wilderness Cabins ($235 to $243), Aulani ($235 to $243), and Disneyland Hotel ($245 to $248). Annual dues also increased an average of 6.38% across all 17 resorts, notably higher than the typical 3-5% of prior years.
What are DVC annual dues in 2026?
The annual dues range from $8.31/point (Grand Floridian, the lowest at a WDW resort) to $14.89/point (Vero Beach, a beach resort). The average for Walt Disney World resorts is $9.61/point. On a 150-point contract, that works out to roughly $1,247–$1,524 per year for most WDW resorts.
Is buying DVC resale worth it?
For most buyers whose primary goal is resort stays, yes. Resale contracts cost 35–53% less than direct purchase in 2026, and the core ownership rights, resort access, home resort priority, booking windows are identical. The main losses to consider are Moonlight Magic events, Disney Cruise Line point redemptions, and Adventures by Disney. For buyers at Riviera, Disneyland Hotel, or Fort Wilderness Cabins, note that resale restrictions apply: those points can only be used at the resort purchased plus Interval International exchanges.
How many points should I buy?
Start by first mapping out the specific trip you plan to take most years, resort, room type, season, and length. Use the official DVC point calculator to get an exact number, then consider buying slightly fewer points than you think you need. You can always rent additional points for a bigger trip, and unused points are money sitting idle. Most first-time buyers purchase 150–200 points.
Can I rent DVC points instead of buying?
Yes. It’s also a very smart way to test the experience before committing. DVC point rental lets you book stays at member rates without ownership. It’s more expensive per night than owning, but there’s zero long-term commitment. Several reputable rental platforms connect renters with DVC owners directly.
Do DVC points expire?
Yes. Every contract has an end date — most range from 2042 (BoardWalk, Beach Club, Old Key West non-extended) to 2074–2075 (Fort Wilderness Cabins, Disneyland Hotel). When the contract expires, the ownership ends. Contracts expiring sooner sell for less on the resale market and are harder to resell as the date approaches.
Ready to run the numbers for your situation?
Use our DVC Financing calculator to estimate exactly how many points your typical trip requires, compare resale listings by resort, and see your projected total cost of ownership — including dues over time. No pressure, no sales calls.
Browse current resale listings →
Pricing sources:
dvcfan.com (February 2026 direct price increase announcement),
dvcresalemarket.com (March 2026 average resale prices and 2026 annual dues),
DISboards.com All prices are current as of April 2026 and subject to change.