Disney Vacation Club can seem overwhelming at first, but understanding the basics makes the decision much clearer. This guide covers everything beginners need to know about DVC ownership and how to get started.
What Exactly Is DVC?
Disney Vacation Club is a points-based timeshare program that gives you flexible access to Disney resort accommodations. Unlike traditional timeshares with fixed weeks, DVC lets you choose when and where to vacation each year based on your available points.
DVC Basics at a Glance
| What You Buy | A deeded real estate interest with annual vacation points |
| How Long It Lasts | Until the resort contract expires (2042-2077 depending on resort) |
| Ongoing Costs | Annual maintenance fees (dues) based on points owned |
| Where You Can Stay | Any DVC resort worldwide (15+ locations) |
| Typical Point Counts | 100-300 points for most families |
How Do Points Work?
Your points refresh each year on your Use Year anniversary. You spend them to book accommodations, with costs varying by room size, view category, season, and resort location. Studios cost fewer points than larger villas, and off-peak seasons cost less than holidays.
Direct vs. Resale: Understanding the Difference
Purchase Comparison
| Feature | Direct Purchase | Resale Purchase |
|---|---|---|
| Price per Point | $200-$250 | $100-$180 |
| Book DVC Resorts | Yes | Yes* |
| Member Discounts | Full Access | Limited |
*Riviera resale has home-resort-only booking restrictions
How Many Points Do You Need?
A family of four typically needs 100-200 points for a week-long annual vacation in a studio. Larger families or those wanting 1-bedroom villas should consider 150-250 points. Use our calculator to estimate your needs.
Getting Started: Next Steps
- Decide between resale and direct purchase based on your priorities
- Choose a home resort based on location preferences and budget
- Determine how many points fit your vacation style
- Explore financing options if needed to spread the cost
Use our loan calculator to see how affordable DVC ownership can be with financing options tailored to your budget.