DVC Annual Dues 2026: Current Rates by Resort and What You Will Pay Each Year

Annual dues are the ongoing cost that comes with every Disney Vacation Club deed. Unlike your purchase price, which you pay once at closing, dues recur every January for the life of your contract. They are assessed per point you own, per year, and the rate depends on your home resort. Two members who each own 200 points can have meaningfully different annual obligations depending on where their deed is recorded.

Because dues are separate from any loan payment, buyers who are financing a purchase need to account for both when planning their monthly budget. The dues are your obligation as a property owner, not a component of the loan.

2026 DVC Annual Dues by Resort

The following rates are in effect for the 2026 calendar year. All amounts are per point, per year. Resorts are listed from lowest to highest dues to make comparison straightforward.

Dues at Saratoga Springs ($8.25 per point) are the lowest among Walt Disney World resorts. At the other end, Vero Beach at $11.66 per point carries the highest dues in the system, which reflects the resort's elevated operating costs on the Atlantic coast, plus its shorter remaining contract life through 2042.

How to Calculate Your Annual Dues

The math is straightforward. Multiply the number of points on your contract by your home resort's per-point rate. That gives you your annual dues obligation, which Disney bills every January.

Examples using 2026 rates:

• 150 points at Saratoga Springs: 150 x $8.25 = $1,237.50 per year ($103.13 per month)
• 150 points at Animal Kingdom Villas: 150 x $9.52 = $1,428.00 per year ($119.00 per month)
• 150 points at Aulani: 150 x $10.11 = $1,516.50 per year ($126.38 per month)
• 150 points at Vero Beach: 150 x $11.66 = $1,749.00 per year ($145.75 per month)
• 250 points at Saratoga Springs: 250 x $8.25 = $2,062.50 per year ($171.88 per month)
• 250 points at BoardWalk Villas: 250 x $9.57 = $2,392.50 per year ($199.38 per month)

Dues do not vary based on how many points you use in a given year. They apply to the full contract size regardless of banking, borrowing, or renting. If you own 200 points and bank them for next year, you still owe dues on all 200 this January.

What Annual Dues Cover

Dues fund everything required to operate a Disney-standard resort property. The breakdown across most DVC resorts follows a consistent structure:

• Operations and management: Housekeeping, front desk staffing, concierge, maintenance crews, landscaping, and grounds
• Property taxes: Real estate taxes assessed on the resort by the county where it sits (Orange County for most Walt Disney World properties, Indian River County for Vero Beach, Beaufort County for Hilton Head, and Honolulu County for Aulani)
• Property insurance: Casualty and liability coverage on the resort buildings and common areas
• Utilities: Electricity, water, sewer, internet, and cable service throughout the resort
• Capital reserves: Mandatory reserves set aside for future renovations, furniture replacement, and major repairs
• Transportation and amenities: Pool operations, fitness facilities, recreation programming, and for Walt Disney World resorts, Disney transportation access

The capital reserve component is often underappreciated. DVC resorts are legally required to maintain reserve funds sufficient to handle major capital expenditures without a special assessment. This is one reason dues at newer resorts with longer contracts can initially feel steep: a portion funds reserves for renovations decades away.

Why Dues Differ Between Resorts

Several factors drive the per-point rate at each resort, and understanding them helps explain why Vero Beach and Hilton Head are consistently at the top of the dues table.

Property taxes by location. Vero Beach sits on the Indian River Lagoon on Florida's east coast, and Hilton Head is in South Carolina. Both locations carry property tax rates that are higher relative to the assessed resort value than what most Orlando resorts face. Aulani pays Honolulu County taxes on Hawaii real estate, which pushes its rate above all Walt Disney World resorts.

Operating environment. Coastal resorts face higher insurance premiums due to hurricane and storm risk. The seasonal nature of Vero Beach and Hilton Head also means the per-point dues must cover a full year of operating costs across a smaller point base relative to a large WDW resort.

Resort age and building condition. Newer resorts have lower near-term capital reserve requirements because their buildings, fixtures, and furniture have decades of useful life remaining. Boulder Ridge and BoardWalk, both with 2042 expiration dates, carry higher dues in part because their reserves must be funded more aggressively in the remaining years of the contract.

Contract years remaining. When a resort has fewer years left on its deed, the same amount of reserve funding must be collected across fewer years of dues payments. This creates an upward bias on dues at the older, shorter-life resorts as they approach their expiration dates.

How Dues Change Over Time

DVC dues increase most years, though the rate of increase varies. Disney does not disclose a fixed formula for annual adjustments. Increases are driven by actual cost changes at each resort: labor contracts, insurance renewals, property tax assessments, and reserve funding requirements.

As a reference point, the 2025 annual rate at Saratoga Springs was $7.71 per point. The 2026 rate is $8.25, an increase of approximately 7%. Not every resort increases at the same rate in a given year, and some years see smaller adjustments. Buyers should budget for dues increases over the life of a long-term contract and should not assume the rate at purchase will remain fixed.

Annual Dues When You Finance a Purchase

If you are financing a DVC resale purchase through DVC Loans, your monthly dues obligation is separate from and in addition to your monthly loan payment. The loan payment covers principal and interest on the amount financed. Annual dues are your obligation as a property owner, billed directly by Disney each January.

A complete monthly budget for a financed DVC purchase looks like this:

• Monthly loan payment (principal plus interest, based on your loan amount, term, and rate)
• Monthly dues equivalent (your annual dues divided by 12 for budgeting purposes, though the actual bill comes in January as a lump sum)

For example: if you finance $20,000 at 9.90% APR over 10 years, your monthly loan payment is approximately $263. If your home resort is Saratoga Springs and you own 150 points, your 2026 dues are $1,237.50 annually, or roughly $103 per month when averaged. Your combined monthly DVC cost is approximately $366.

Use our Instant Quote tool to see your exact loan payment based on your purchase price, term preference, and credit profile. No hard credit pull required to get your estimate.

The Dues and Contract Length Tradeoff

When evaluating different resorts, the interaction between dues rate and contract expiration date matters significantly for long-term value. A buyer choosing between two resorts should not look at dues in isolation.

Consider a buyer choosing between Boulder Ridge Villas (2042, $9.06/point) and Copper Creek Villas (2068, $9.37/point), both at the Wilderness Lodge campus. Boulder Ridge has a lower dues rate but expires 26 years earlier. At 150 points, the annual difference is $46.50 per year in dues. Over the remaining 16 years of Boulder Ridge's life versus 42 years of Copper Creek's life, the contract length difference is substantial. Resale prices reflect this, with Copper Creek typically priced higher per point precisely because of the longer remaining term.

Vero Beach and Hilton Head are consistently the highest-dues resorts in the system, and both expire in 2042. A buyer considering those contracts is taking on the highest annual cost with the shortest remaining contract life among the resorts currently listed. That is why the resale prices at those resorts reflect a discount to what you might expect based on the Disney brand alone.

Dues Proration at Closing

When you purchase a DVC resale contract, the dues for the current year have typically already been paid by the seller at the start of January. If your closing occurs mid-year and you are receiving points for the current use year, you will reimburse the seller for the portion of dues that covers those points.

The proration amount is calculated at your home resort's per-point dues rate, multiplied by the number of current-year points you are receiving. Your closing disclosure will itemize this amount. It is a common line item in DVC resale closings and is not unique to any particular lender or transaction.

For more on how the DVC resale closing process works and what financing looks like from start to finish, see our full DVC financing guide. Or use the Instant Quote tool to get started with no credit check required.