The most common question we get from first-time DVC renters is simple: how much does it actually cost? The answer depends on which resort you want, which season you're traveling in, and where you rent from. This guide breaks down real 2026 market prices so you can do the math before you start browsing listings.
The Basic Formula
DVC rentals are priced per point. You pay a price-per-point to the member, and they use their points to book your reservation with Disney. The total cost of your stay is:
Points needed for your trip × price per point = your total rental cost
If a 5-night studio at the Polynesian costs 110 points and points are trading at $21/point, your total is $2,310. Compare that to Disney's direct rack rate for the same room — typically $800–$1,200 per night for a deluxe resort — and the savings become obvious.
Current Market Prices by Resort (2026)
DVC rental prices are not uniform. They vary by resort based on annual dues, demand at the 11-month booking window, and how many members at each resort choose to rent vs. use their points personally. Here are current realistic market ranges:
| Resort | Typical Price Per Point | Why |
|---|---|---|
| Polynesian Villas & Bungalows | $21–$23 | Highest demand, Magic Kingdom monorail, bungalows are aspirational |
| Grand Floridian Villas | $21–$23 | Flagship property, Magic Kingdom monorail, high annual dues |
| Bay Lake Tower | $20–$22 | Magic Kingdom walking path, Top of the World Lounge access |
| Beach Club Villas | $20–$22 | Stormalong Bay pool, Epcot walking distance, high competition |
| Boardwalk Villas | $19–$21 | Crescent Lake, Epcot walking distance, slightly less demand than Beach Club |
| Riviera Resort | $19–$21 | Skyliner access, newer resort, resale restrictions limit resale buyers but not renters |
| Animal Kingdom Villas (Jambo) | $18–$20 | Savanna views command a premium; standard views are more accessible |
| Animal Kingdom Villas (Kidani) | $18–$20 | Same campus as Jambo, similar pricing with slightly more inventory |
| Boulder Ridge Villas | $17–$19 | Older contract, expires 2042, lower dues keep pricing moderate |
| Copper Creek Villas | $18–$20 | Newer contract, expires 2068, Wilderness Lodge location |
| Saratoga Springs Resort | $16–$18 | Largest DVC resort, most supply, Disney Springs location, no theme park proximity |
| Old Key West Resort | $16–$18 | Original DVC resort, longest rooms, off-monorail-and-Skyliner, large inventory |
| Disney's Hilton Head Island Resort | $16–$18 | Beach destination, not a theme park resort, seasonal demand |
| Disney's Vero Beach Resort | $16–$18 | Florida beach resort, hurricane season affects pricing, seasonal |
| Grand Californian (Disneyland) | $20–$22 | Only DVC resort at Disneyland, private park entrance, limited inventory |
Why Prices Vary: The Real Factors
Annual dues. Every DVC contract has annual maintenance fees, charged per point. These dues cover housekeeping, resort maintenance, and Disney overhead. Higher-dues resorts tend to price slightly higher because the member's cost basis is higher. Polynesian dues run approximately $9.00 per point per year. Old Key West runs closer to $7.50. That gap affects what price the market will support.
Demand and home resort advantage. DVC members can book their home resort 11 months in advance but can only book other resorts at 7 months. High-demand resorts like Beach Club and Polynesian sell out at the 11-month window during popular seasons. Members who own there have an exclusive 4-month window during which only they can book. This scarcity drives rental pricing up.
Contract expiration dates. Older contracts that expire in the 2030s or 2040s are worth less per point on the resale market. When members who bought in the 1990s rent their points, they sometimes price slightly below newer contracts. Newer resorts with contracts expiring in the 2060s can command slight premiums.
Supply. Saratoga Springs is the largest DVC resort with thousands of villas. More members means more rental supply, which keeps prices competitive. A smaller resort like Bay Lake Tower has fewer total rooms, fewer members renting, and tighter supply at popular dates — which supports higher per-point prices.
Real Examples: What a Trip Actually Costs
Here's what a 7-night trip looks like in dollars at various resorts, using regular season point charts and $20/point as a middle-of-market estimate:
7-night studio, Saratoga Springs (regular season): approximately 77 points × $17/point = $1,309. The same room through Disney's cash rate runs $350–$450 per night, or $2,450–$3,150 for the week. Savings: roughly $1,100–$1,800.
7-night studio, Beach Club Villas (regular season): approximately 117 points × $21/point = $2,457. Disney's cash rate for a comparable Deluxe Studio at Beach Club runs $650–$900 per night, or $4,550–$6,300 for the week. Savings: $2,000–$3,800.
7-night one-bedroom villa, Polynesian (regular season): approximately 239 points × $22/point = $5,258. A comparable Disney hotel suite runs $1,200–$1,800 per night, or $8,400–$12,600 for the week. Savings: $3,100–$7,300.
7-night studio, Riviera (peak/Christmas): approximately 175 points × $20/point = $3,500. Disney's cash rate during that same week can exceed $1,000 per night — $7,000+ for the week. Savings exceed $3,500.
Direct vs. Broker: Where to Rent Makes a Difference
Many renters start with DVC rental brokers — third parties who match renters with members and take a 20–30% commission. Brokers provide a layer of service but that overhead gets passed to you. A point renting for $20 on a direct marketplace might list at $22–$25 through a broker, with less flexibility and slower communication.
A direct marketplace like dvchomeresort.com connects you with verified members without the broker markup. You communicate directly with the seller, negotiate terms, and funds are held in escrow until Disney confirms the reservation is in your name. The process is transparent on both sides.
Off-Peak vs. Peak Season: The Biggest Price Variable
The price-per-point is relatively stable (that's between you and the member), but the number of points your trip requires swings dramatically by season. Disney's point charts price Christmas week, spring break, and summer higher than September or January. A studio that costs 77 points in January might cost 120+ points during Thanksgiving. The per-point price may be the same $18; your total cost is 56% higher simply because of the season.
If budget flexibility matters more to you than travel dates, September and January are the sweet spots — lowest point requirements, combined with more listing availability and occasionally members offering slightly below-market pricing to move expiring points before their use year ends.
Use our point cost calculator to look up specific resort, room type, and date combinations, then browse active listings to see what members are currently offering.
How much does it cost to rent DVC points in 2026?
DVC point rental prices in 2026 range from approximately $16 to $23 per point depending on the resort. Budget-tier resorts like Saratoga Springs and Old Key West trade around $16–$18 per point. Mid-range resorts like Animal Kingdom Villas and Copper Creek run $18–$20. Premium resorts like Beach Club, Polynesian, and Grand Floridian command $20–$23. Total trip cost is the number of points your reservation requires multiplied by the per-point price.
What is the cheapest DVC resort to rent points at?
The least expensive DVC resorts to rent are Saratoga Springs, Old Key West, Hilton Head, and Vero Beach, where per-point prices typically run $16–$18 in 2026. Saratoga Springs is the most supply-heavy resort in the system and often has the most listings available. It is also adjacent to Disney Springs, which is a destination in its own right.
Is renting DVC points cheaper than booking directly through Disney?
In most cases, yes — significantly cheaper. Renting DVC points at a deluxe Disney resort typically costs 30–50% less than Disney's direct cash rates for the same room. The savings are largest at high-demand resorts during peak seasons, where Disney's direct pricing is highest. Studios and one-bedroom villas offer the best savings per person.
Why do some DVC resorts cost more per point to rent than others?
Rental prices per point vary by resort based on demand, annual dues, location, and supply. High-demand resorts with monorail or Skyliner access and smaller room inventories (Polynesian, Grand Floridian, Beach Club) command higher prices. Resorts with large inventories and less theme park proximity (Saratoga Springs, Old Key West) have more competitive pricing. Annual maintenance dues also factor in — higher dues resorts tend to have higher rental prices.
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