Disney Vacation Club through Disney direct will run you $185 to $260 per point right now, depending on the resort. On the resale market, the same contracts trade for $65 to $165 per point. That gap is the entire reason the resale market exists.
If you buy resale, you give up a few Disney perks (no member discounts at merchandise locations, no access to Concierge Collection properties, no ability to use points at non-DVC Disney hotels). What you keep is everything that actually matters: the ability to book DVC resorts, full access to the Home Resort Advantage, and the same deed you'd get buying direct. For most buyers, that's the right trade.
Here's what contracts are actually trading for as of mid-2026.
DVC Resale Prices by Resort (Mid-2026)
These ranges reflect what contracts are closing at, not asking prices. Actual sales depend on point count, use year, current year point availability, and whether the contract passes ROFR.
| Resort | Resale Price Per Point | Notes |
|---|---|---|
| Vero Beach | $55 - $70 | Cheapest per point, hardest to use strategically |
| Hilton Head | $55 - $70 | Same story as Vero Beach |
| Old Key West (2042) | $60 - $75 | Shorter contract remaining; price reflects that |
| Saratoga Springs | $65 - $80 | Largest DVC resort; most contracts on the market |
| Old Key West (2057) | $75 - $90 | Extended contract commands a premium over 2042 |
| Animal Kingdom | $75 - $95 | On-property location; expires 2057 |
| Boulder Ridge | $75 - $95 | Wilderness Lodge; quieter resort, good value |
| Aulani (Hawaii) | $80 - $100 | Only non-Disney-theme-park DVC location worth owning there |
| Riviera | $80 - $110 | Resale restriction (see below); discounted for a newer resort |
| Boardwalk | $90 - $115 | Epcot area; extremely popular for Food and Wine season |
| Copper Creek | $90 - $110 | Wilderness Lodge; newer than Boulder Ridge, expires 2068 |
| Beach Club | $100 - $120 | Steps from Epcot's International Gateway; always in demand |
| Grand Floridian | $110 - $140 | Magic Kingdom monorail resort; flagship Disney hotel |
| Bay Lake Tower | $115 - $145 | Contemporary; direct monorail access, Magic Kingdom views |
| Polynesian | $120 - $150 | Monorail resort; studios only (no dedicated bedroom units) |
| Disneyland Hotel | $130 - $160 | California; limited resale inventory keeps prices high |
| Grand Californian | $130 - $165 | Most expensive DVC on the resale market; scarce supply |
What Vero Beach and Hilton Head Won't Tell You
Vero Beach and Hilton Head are the cheapest per point on the resale market. They're also the hardest to use well. Most DVC owners don't want to spend their points at a beach resort in South Carolina when they could be booking a studio at the Grand Floridian. The low price per point is real. The hidden cost is that you'll spend years trying to unload nights at a non-theme-park resort while your family wants to be at Magic Kingdom.
If your family genuinely loves the beach and wouldn't trade it for the parks, these resorts make sense. If you're buying DVC primarily for Walt Disney World access, buy a Walt Disney World home resort.
What DVC Actually Costs to Own: The Full Math
The purchase price is just one number. You also pay closing costs and annual dues every year you own.
Here's a real example. 150 points at Saratoga Springs, which is the most common entry-level contract on the resale market.
Purchase price at $72/point (midpoint of the range): $10,800. Closing costs on a resale transaction typically run $350 to $500 depending on the title company. Call it $500. Annual dues at Saratoga Springs run about $7.25 per point as of 2026, so 150 points costs $1,087 per year in dues.
Over 10 years, that's:
- Purchase: $10,800
- Closing: $500
- 10 years of dues: $10,870
- Total: $22,170
Compare that to booking the equivalent stay through Disney directly. A standard room at Disney's All-Star resorts runs $200 to $300 per night. A deluxe studio at Saratoga Springs (what those 150 points would get you, roughly 7 nights per year) is $350 to $500 per night through cash booking. Call it $400 per night, 7 nights per year, 10 years: $28,000.
The DVC option saves you about $5,800 over a decade, and you still own the deed at the end of year 10.
Annual dues do increase over time, typically 2 to 4 percent per year. That's worth factoring in if you're modeling longer time horizons. But Disney's cash room prices also increase, often faster than dues have historically.
Use Year and Why It Changes the Resale Price
Every DVC contract has a use year, which is the month your annual points allocation resets. Common use years are February, June, August, October, and December.
June is the most flexible for Walt Disney World trips. Your points reset in June, which means you have a full 12 months of banker's rights before they expire. If you travel in the fall or spring, a June use year gives you maximum flexibility to bank unused points or borrow from the next year without losing anything.
A February use year is the least forgiving for most families. If something comes up and you can't travel in winter, you're banking points that expire the following February, which tightens your window considerably.
On the resale market, June use year contracts sell at a slight premium over February or December use years, all else being equal. It's not a dramatic difference, but it's real, and it matters for planning.
The Riviera Resale Restriction
Disney Riviera Resort opened in 2019 and was the first DVC property sold with a resale restriction built into the deed. If you buy a Riviera contract on the resale market, you can only book Riviera. You can't use those points at Saratoga Springs, Beach Club, Bay Lake Tower, or any other DVC resort.
This restriction only applies to resale buyers. If you bought Riviera direct from Disney and then sold it, the next buyer (resale) gets the restriction. The original direct buyer had full access.
That restriction is why Riviera trades at $80 to $110 per point on the resale market despite being a newer, well-located resort on the EPCOT area bus line. Buyers are paying a discount because they're giving something up. If you love Riviera, travel there every year, and don't want to book anywhere else, the restriction doesn't cost you anything in practice. If you want flexibility across the DVC system, buy a pre-2019 resort.
ROFR: Disney's Right of First Refusal
When you agree to buy a resale contract, the sale goes through a process called ROFR, right of first refusal. Disney has the legal right to step in, match the agreed price, and buy the contract themselves instead of letting the sale go through to you.
Disney exercises ROFR when the price on a contract is below where they want the resale market to sit. They typically let most contracts pass at current market pricing. If you negotiate an unusually low price per point, especially at a premium resort, expect a higher chance of Disney buying it out from under you. The process adds 30 to 45 days to the closing timeline regardless of outcome.
Experienced resale buyers know roughly where ROFR risk starts for each resort. Contracts priced at the low end of the market ranges above carry more risk than those priced in the middle.
See Current Prices on DVC Market
The ranges above reflect mid-2026 market conditions, but resale prices shift as inventory moves. DVC Market shows live resale listings with current asking prices so you can see what contracts are actually available today, broken down by resort, point count, and use year. If you're trying to figure out what a specific contract is worth, current listings are the best data you have.
