DVC Annual Dues

Understanding DVC Annual Dues

If you're buying DVC on the resale market, annual dues are probably the first ongoing cost you'll want to understand. They're not optional. Every DVC owner pays them, and they're due every January regardless of whether you use your points that year.

For 2026, dues range from $8.31 per point at Grand Floridian to $14.89 per point at Vero Beach. That's a pretty wide spread. On a 150-point contract, Grand Floridian owners pay about $1,247 a year. Vero Beach owners pay $2,234. Same number of points, but almost double the annual cost.

How Dues Have Changed Over the Past 4 Years

We track dues going back to 2023 for every resort. Here's what the trend looks like for a few popular ones:

Bay Lake Tower went from $7.43 per point in 2023 to $8.74 in 2026. That's a 17.6% increase over four years. Copper Creek moved from $7.92 to $9.02, about a 13.9% jump. And Vero Beach, which was already the most expensive, went from $12.85 to $14.89.

The average annual increase across all resorts has been roughly 4% to 6%. Some years hit harder than others. The 2025 to 2026 jump was steeper for several Walt Disney World resorts, particularly Animal Kingdom (up from $9.65 to $10.16) and Beach Club ($9.12 to $9.81).

You can see the exact year-over-year change for every resort in the table above. Just click the YoY Change column header to sort by biggest movers.

Which Resorts Give You the Best Value on Dues?

It's tempting to just look at the per-point number and pick the cheapest. But that's not the full picture.

Grand Floridian has the lowest dues at $8.31 per point, but it also has some of the highest resale prices. You might pay $180 to $210 per point to buy a contract there. Polynesian is close behind at $8.33 per point in dues, with similar resale pricing.

On the flip side, Old Key West charges $11.21 per point in dues, but resale contracts typically go for $100 to $120 per point. So your upfront cost is lower, but your annual cost is higher. Over a 10-year ownership period, those numbers start to balance out.

The real question is: where do you want to stay? Home resort priority gives you an 11-month booking window at your home resort versus 7 months everywhere else. If you're buying at a resort specifically for that priority, the dues are just part of the cost of owning there.

How Dues Compare to Hotel Room Rates

Here's where the math gets interesting. A standard room at Disney's Grand Floridian runs about $700 to $900 per night during peak season. A DVC studio at the same resort costs roughly 15 to 20 points per night depending on the season.

At $8.31 per point in dues, that's $125 to $166 in annual maintenance fees for one night's worth of points. Add in the original purchase price of the points (amortized over the life of the contract), and you're still paying a fraction of the cash room rate.

That gap is even wider at the value resorts. A week at Animal Kingdom Villas in a one-bedroom during regular season might use 150 points. At $10.16 per point, your dues portion of that week is about $1,524. The same room booked at rack rate could easily run $4,000 to $5,000.

This is the core math that makes DVC ownership work for most families. The dues are real money, but they're still significantly less than what you'd pay for comparable rooms at full price.

Tips for Budgeting Your Annual Dues

Set aside money monthly. If your annual dues are $1,500, that's $125 per month. Easier to handle than one big bill in January.

Disney does offer a monthly payment plan for dues, but there's no discount for paying early or all at once. The total is the same either way.

And keep in mind that dues will go up. Budget for a 4% to 5% increase each year and you won't be surprised. Over a 10-year period, a contract with $9.00 per point dues today will likely be around $13 to $14 per point by 2036 if current trends hold.

If you're comparing resorts and annual dues are a big factor in your decision, use the compare tool above to see them side by side. Select up to 5 resorts and you'll get a visual breakdown that makes the differences easy to spot.

Frequently Asked Questions About DVC Annual Dues

How much are DVC annual dues in 2026?

It depends on the resort. Grand Floridian is the lowest at $8.31 per point in 2026. Vero Beach is the highest at $14.89 per point. For a 150-point contract, you're looking at $1,247 to $2,234 per year depending on where you own. Use the slider above to plug in your exact contract size and see what you'd pay at each resort.

Why do dues vary so much between resorts?

Each resort runs its own condo association with its own budget. The newer resorts like Grand Floridian and Polynesian tend to have lower per-point dues because of how the contracts were structured. Smaller resorts like Vero Beach ($14.89/pt) and Hilton Head ($12.86/pt) have fewer total points, so each owner carries a bigger share of operating costs. Location matters too. Aulani in Hawaii runs $10.96 per point, higher than most Florida resorts just because of where it sits.

Do DVC annual dues increase every year?

Almost always, yes. Over the past decade, the average increase has been about 3% to 5% per year. Some years are worse than others. The YoY Change column in the table above shows exactly how each resort moved compared to last year, so you can spot the trends yourself.

What exactly do annual dues pay for?

Your dues cover everything it takes to keep the resort running: housekeeping, building maintenance, insurance, property taxes, Disney's management fee, and a reserve fund for big-ticket items like room refurbishments. Disney manages every DVC resort, so the level of upkeep is high across the board. That reserve fund is important because it means owners don't get hit with surprise special assessments when something major needs replacing.