The annual cost of DVC ownership depends on two things: how many points you own and whether you financed the purchase. Annual dues are owed by every member regardless of financing. If you carried a loan to buy the contract, a monthly loan payment is a second cost that runs until the balance is paid off.
Understanding both before you buy is the difference between a comfortable ownership experience and a monthly budget surprise. This breakdown covers both components using actual 2026 rates and realistic contract sizes.
Component One: Annual Dues
Annual dues are assessed per point, per year, at your home resort's current rate. Disney bills them each January for the full year. They cover resort operations, property taxes, insurance, utilities, and capital reserves. Dues increase most years, typically reflecting changes in operating costs at each resort.
For 2026, dues per point range from $8.00 at the Villas at Disneyland Hotel to $11.66 at Disney's Vero Beach Resort. Among Walt Disney World resorts, Saratoga Springs carries the lowest rate at $8.25 per point and Vero Beach carries the highest at $11.66. A full breakdown of all 17 resort rates is in our 2026 DVC Annual Dues by Resort post.
Your annual dues bill is:
Annual Dues = Points Owned x Per-Point Rate
If you own 150 points at Saratoga Springs, your 2026 annual dues are 150 x $8.25 = $1,237.50. If you own 200 points at Polynesian, they are 200 x $9.24 = $1,848.00.
Component Two: Loan Payment (If Financed)
If you financed your DVC resale purchase, your lender's monthly payment is a second annual cost that runs for the term of the loan. At DVC Loans, rates start at 9.90% APR and loan terms run from 3 to 15 years on financed amounts starting at $4,000.
The loan payment is entirely separate from dues. Your lender receives the loan payment each month. Disney receives the dues bill each January. They do not overlap or offset each other.
Monthly loan payment estimates at 9.90% APR:
| Loan Amount | 5-Year Term | 10-Year Term | 15-Year Term |
|---|---|---|---|
| $10,000 | $212/mo | $132/mo | $108/mo |
| $15,000 | $318/mo | $197/mo | $162/mo |
| $20,000 | $425/mo | $263/mo | $215/mo |
| $30,000 | $637/mo | $395/mo | $323/mo |
| $40,000 | $849/mo | $526/mo | $430/mo |
These estimates use a 9.90% APR starting rate. Your actual rate depends on your credit profile, loan amount, and term. Use our Instant Quote tool to get a personalized rate with no hard credit pull required.
What You Actually Pay Per Year: Combined Cost Examples
The clearest way to see your true annual DVC cost is to combine both components for realistic contract scenarios. The examples below use 2026 dues rates and estimated loan payments at 9.90% APR.
150 Points at Saratoga Springs, $15,000 Financed at 10 Years
- Annual dues: 150 x $8.25 = $1,237.50
- Annual loan payment: $197/mo x 12 = $2,364
- Total annual cost: $3,601.50 ($300.13/month)
200 Points at Animal Kingdom Villas, $25,000 Financed at 10 Years
- Annual dues: 200 x $9.52 = $1,904
- Annual loan payment: $329/mo x 12 = $3,948
- Total annual cost: $5,852 ($487.67/month)
150 Points at Saratoga Springs, Purchased Cash
- Annual dues: 150 x $8.25 = $1,237.50
- Annual loan payment: $0
- Total annual cost: $1,237.50 ($103.13/month)
250 Points at Grand Floridian, $35,000 Financed at 15 Years
- Annual dues: 250 x $9.33 = $2,332.50
- Annual loan payment: $376/mo x 12 = $4,512
- Total annual cost: $6,844.50 ($570.38/month)
Once the loan is paid off, only dues remain. A member who finances a 10-year loan owns the contract outright at the end of year 10, and their annual cost drops to dues only for the remaining contract years. On a resort with a 2064 or 2070 expiration date, that is still 30-plus years of annual dues.
Costs That Are Not Part of Annual Dues
Annual dues and loan payments are the only recurring costs directly tied to DVC ownership. Several other expenses are sometimes associated with DVC but are not annual obligations to Disney or your lender.
Disney World park tickets. Park tickets are not included in DVC ownership at any level. They are a separate purchase each time you visit. Annual passes are available to purchase, but the cost and structure of those passes is set by Disney separately from the DVC program and is not a DVC Loans topic.
Dining and resort charges. Food, merchandise, and resort charges are pay-as-you-go during your stay. Nothing in your annual dues or loan covers these costs.
Closing costs at purchase. When you buy a DVC resale contract, there are one-time closing costs that include doc stamps, intangible tax, recording fees, and title insurance. These are paid at closing and are not recurring annual expenses. For a detailed breakdown of what DVC closing costs include and how they are calculated, see our DVC financing guide.
Rental income potential. Some DVC members offset a portion of their annual costs by renting unused points through licensed third-party rental platforms. Point rentals are a member privilege and not a guaranteed income stream, and the market for rented points varies. DVC Loans does not factor rental income into loan underwriting.
How Annual Dues Factor Into a Loan Application
When DVC Loans evaluates a loan application, we review your full financial picture, including existing debt obligations and income. While annual dues are not part of the loan itself, they are part of the total cost of DVC ownership that informs whether the purchase fits your budget responsibly.
Buyers who are considering a larger contract should understand that dues scale linearly with points. A 300-point contract at Polynesian carries $2,772 in annual dues (300 x $9.24). On a 10-year loan for the same contract, the combined monthly cost (loan plus dues) could run $500 to $650 depending on the purchase price and rate. Sizing your contract to what you will realistically use each year keeps your annual cost reasonable and avoids banking or borrowing points out of financial pressure rather than preference.
How Dues Are Billed
Disney Vacation Club sends annual dues statements in early January for the full calendar year. Payment is due in full by January 31 of each year. Members who are late on dues can face restriction of their booking privileges until the balance is cleared. Dues cannot be paid in installments through Disney directly, though some members budget for this by setting aside a monthly amount throughout the year.
If you finance through DVC Loans, your monthly loan payment to us is a separate transaction from your annual dues payment to Disney. There is no automatic connection between the two. You manage each obligation independently.
Projecting Your Annual Cost Over Time
Dues increase most years. The rate of increase varies by resort and by year. For long-term planning, a 3% to 5% average annual increase in dues is a reasonable planning assumption, though actual increases may be higher or lower depending on what happens at each specific resort.
If you own 150 points at Saratoga Springs today at $8.25 per point, a conservative 3% annual increase would put the rate at approximately $11.07 per point in 10 years and approximately $14.89 per point in 20 years. Annual dues at those future rates would be $1,660 and $2,234, respectively, on the same 150-point contract.
This does not make DVC ownership unaffordable over time for most members, but it is worth incorporating into a long-term view rather than budgeting permanently at today's rate.
To see your loan payment options on a specific purchase amount, use our Instant Quote tool. For a full overview of how DVC resale financing works, requirements, and timelines, our DVC financing page covers everything from application to closing.