Because we collect and track all DVC listings from every major broker, we are able to get some interesting insights on resale prices for all Disney Vacation Club resorts! Potential Buyers always wonder if they are getting a good deal, or what a fair price is for a resale listing.

DVC contracts are usually listed as a “Price per point”. Finding your total price is as simple as multiplying the price per point times the number of points on the contract.

Whether you are buying or selling a Disney Vacation Club Contract, there are a few key factors that go into pricing. The biggest influence, by far, is home resort. Home resort matters so much because you are able to book at your Home Resort up to 11 months in advance, before anyone who has points at a different resort is able to book at the 7 month window.

The other factors that influence pricing are 1) Size of Contract and 2) Status of Contract (is it “loaded” or “stripped”). Use Year doesn’t often influence the price of a contract, but return buyers who aren’t buying their first contract may have preference for one use year or another to make managing their points easier. No use year is “better” than others, though, so it doesn’t have a meaningful impact on pricing. Looking at those factors more closely:

The average contract size we see sold is around 150 points. Contracts that are much smaller (100 points or fewer) often carry a premium of up to 10% with the smaller the contract, the higher the premium. Likewise, larger contracts are usually less expensive. The larger the contract, the more of a discount you are likely to get. For example, 300-400 points you can expect roughly 5% lower than average pricing, while huge contracts like 1000 points might have as much as a 10% discount from the average.

The reason for this is simply a factor of larger contracts price out more buyers: There are a lot more people who can afford to spend $6,000 for a 50 point contract than there are people who can afford to spend $120,000 for a 1000 point contract.

The other factor that determines pricing is the status of the Disney Vacation Club resale contract. Sometimes you will see this referred to as a contract being “stripped” or “loaded”. All that is referring to is the amount of available points to use right now and in the next use year on a contract.

For example, if you were looking at a Riviera contract for 200 points with a December use year, the questions are How many points are available for the Dec ’22 use year? (The points that can be used Dec ’22 – end of Nov ’23). How many points are coming in Dec ’23? Because DVC allows “Banking” of unused points and “borrowing” of future points into the current year, it’s possible that a 200 point contract might have 400 points available right now with another 200 coming in Dec ’23. That would be considered a “loaded” contract. It’s also possible that the seller borrowed all of the points that would be coming in Dec ’23 and there are NO current points available on the contract and NO points coming in Dec ’23, and you won’t have any points until Dec ’24. This would be considered a “stripped” contract.

A loaded contract might cost ~10% more than “average”, and a stripped contract might cost ~10% less than “average”.

Ok – so understanding that, you can see why the ranges are so broad. A tiny contract that is loaded with points might be ~20% more expensive per point than a large, stripped contract. Having said that, below is a table with recent data from the past month and an estimate range.