What Are DVC Annual Dues?
Annual dues are the yearly fees every Disney Vacation Club member pays to keep the resorts running. Think of them like HOA fees on a condo. They cover maintenance, property taxes, insurance, staffing, and a reserve fund for big repairs down the road. Every resort has its own rate, charged per point.
If you own 150 points at Saratoga Springs, your 2026 dues are $9.19 per point, so $1,378.50 for the year. Own 150 points at Vero Beach? That's $14.89 per point, or $2,233.50. Same number of points, $855 difference. Every year. For the life of the contract.
We've been doing this since 1993. The single biggest mistake we see buyers make is focusing only on the purchase price and forgetting about annual dues. A contract that looks cheap upfront can cost thousands more over 10 or 20 years if the dues are high.
2026 Annual Dues by Resort
Here are the actual 2026 dues per point for every DVC resort, from lowest to highest:
| Resort | 2025 Dues/Pt | 2026 Dues/Pt | Year-Over-Year Change |
|---|---|---|---|
| Grand Floridian | $7.93 | $8.31 | +4.8% |
| Polynesian | $7.93 | $8.33 | +5.0% |
| Bay Lake Tower | $8.02 | $8.74 | +9.0% |
| Copper Creek | $8.49 | $9.02 | +6.2% |
| Saratoga Springs | $8.54 | $9.19 | +7.6% |
| Riviera | $9.06 | $9.46 | +4.4% |
| Grand Californian | $8.80 | $9.52 | +8.2% |
| Boardwalk | $9.06 | $9.67 | +6.7% |
| Boulder Ridge | $9.19 | $9.77 | +6.3% |
| Beach Club | $9.12 | $9.81 | +7.6% |
| Animal Kingdom | $9.65 | $10.16 | +5.3% |
| Disneyland Hotel | $9.82 | $10.54 | +7.3% |
| Aulani | $10.12 | $10.96 | +8.3% |
| Old Key West | $10.50 | $11.21 | +6.8% |
| Fort Wilderness Cabins | $11.88 | $12.28 | +3.4% |
| Hilton Head | $11.92 | $12.86 | +7.9% |
| Vero Beach | $14.60 | $14.89 | +2.0% |
Grand Floridian and Polynesian have the lowest dues in 2026 at $8.31 and $8.33 per point. Vero Beach is the highest at $14.89. That spread matters more than most people realize.
What Do Annual Dues Cover?
Your dues pay for four things:
Operating costs are the biggest chunk. Housekeeping, front desk staff, groundskeeping, pool maintenance, bus transportation, utilities. The day-to-day cost of running a resort. Disney's service levels are high, and that costs money.
Property taxes vary by location. Florida resorts pay Florida property tax. Aulani pays Hawaii taxes, which is part of why Aulani dues jumped 8.3% this year. Hilton Head pays South Carolina taxes. Disneyland Hotel pays California taxes. You don't control this, and neither does Disney.
Insurance covers the buildings and common areas. Florida hurricane insurance is expensive, and it goes up after every major storm season. This is a real cost driver that hits all the Florida resorts.
Capital reserves are funds set aside for major repairs and renovations. New roofs, HVAC replacement, lobby renovations, room refurbishments. Disney publishes an annual budget showing exactly how these funds are allocated. Most members ignore it. You shouldn't.
When Are Dues Billed?
Disney sends invoices in December. Full payment is due by January 31st. You can also set up monthly auto-pay through Disney's website, which splits the annual amount into 12 equal payments.
Miss your payment and Disney suspends your booking privileges. Can't make reservations, can't bank points, can't do anything with your membership until you're current. They don't mess around with this, and neither should you.
How Dues Increase Over Time
Dues go up every year. That's not a maybe. Looking at 2025 to 2026, the average increase across all resorts was about 6%. Some resorts were lower (Vero Beach at 2%), some higher (Bay Lake Tower at 9%).
Over a 10-year period, you should plan for dues to roughly double. A resort charging $9.00 per point today will likely be around $16 to $18 per point in 10 years if increases continue at the historical rate. Factor this into your total cost of ownership when you're deciding how many points to buy.
How Dues Affect Resale Value
Lower dues make a contract more attractive on the resale market. Buyers look at total cost of ownership, not just the per-point price. A contract at $100 per point with $8.31 dues (Grand Floridian) is a better long-term deal than a contract at $90 per point with $12.86 dues (Hilton Head). Run the numbers over 10 years and the difference is obvious.
This is why Saratoga Springs and Polynesian are consistently popular on the resale market. Moderate purchase prices combined with below-average dues make the total cost of ownership very competitive.
You can compare total ownership costs across resorts using our DVC price comparison tool or get an appraisal using the resale value calculator.
Dues When Buying or Selling Resale
During a resale transaction, dues get prorated at closing. The seller pays dues through the closing date. The buyer picks up dues from the closing date forward. This is handled by the title company and spelled out in your purchase agreement.
One thing buyers should know: the buyer pays dues on the current year's bankable points that come with the contract. If you're buying a 200-point contract in June and 200 points are available for the current year, you'll reimburse the seller for the dues on those points at closing. That's on top of your purchase price, closing costs ($500 to $800 typical), and the $500 Disney Administration Fee.
The seller's only fee at closing is the $150 Disney Estoppel Fee and our 6.9% commission. We charge less than most brokers in the industry, where 9.5% to 10% is common.
Tips for Managing Annual Dues
Budget for 5-6% annual increases. Don't assume dues stay flat. They never have, and they never will.
Pick your resort based on total cost, not just purchase price. A $2 per point difference in dues costs $400 per year on a 200-point contract. Over 20 years, that's $8,000, and that's before accounting for annual increases.
Set up auto-pay. Missing a payment suspends your booking rights, and nobody wants to find that out when they're trying to book their spring break trip at the 7-month window.
If you're comparing resorts, our annual dues page has the full breakdown with historical data going back to 2021. Our listings page shows every available contract with the dues already calculated for each resort.
Where to Find Official Dues Information
Disney publishes annual budget summaries for each DVC resort. These documents break down exactly where your dues money goes, including the operating budget, reserve fund contributions, and property tax allocations. You can request a copy through Disney's official DVC annual dues FAQ or by calling Member Services at (800) 800-9800.
Disney also sends a paper copy to every member each year with the January invoice. We strongly recommend reading it. Understanding where your money goes makes you a more informed buyer, and it helps you compare the true cost of ownership across resorts before you purchase.
