How Resale Pricing Really Works

If you're thinking about selling your Disney Vacation Club membership, the first question that comes to mind is almost always the same: What is my contract actually worth?

It's the right question to start with — and the answer is more nuanced than a single number. DVC contract values vary significantly based on a handful of key factors, and understanding what drives pricing will help you set realistic expectations, evaluate offers intelligently, and ultimately walk away with the best possible outcome.

Here's how resale pricing actually works.

The Short Answer: It Depends on Your Home Resort

The single biggest driver of your contract's value is your home resort. Different resorts command dramatically different per-point prices on the resale market, driven by a combination of location, deed length, annual dues, buyer demand, and supply. Two contracts with identical point totals can be worth vastly different amounts simply because of where they're based.

Here's a snapshot of recent average resale prices per point based on our April 2026 closed sales:

ResortAvg $/Point (April 2026)Grand Californian$250.00Grand Floridian$156.00Polynesian$152.00Bay Lake Tower$132.50Beach Club$134.00Copper Creek$130.00Boardwalk$116.84Riviera$125.00Animal Kingdom$102.14Boulder Ridge$93.00Saratoga Springs$94.48Aulani$88.67Old Key West$76.00Hilton Head$60.00Vero Beach$40.00

These are averages based on actual closed transactions — not asking prices. List prices can be higher; what matters for your planning is what contracts are actually selling for. Our team tracks this data in real time and uses it as the foundation for every valuation we provide.

The Five Factors That Determine Your Contract's Value

1. Home Resort

As noted above, resort is the primary driver. Grand Californian, Grand Floridian, and Polynesian consistently command the highest per-point prices due to location prestige, strong buyer demand, and relatively limited resale supply. Saratoga Springs and Animal Kingdom sit in the mid-range with high transaction volume. Vero Beach and Hilton Head price lower due to their distance from Disney's theme parks and higher annual dues.

2. Number of Points

Your total point count affects your per-point price in an important way: larger contracts typically sell for slightly less per point, while smaller contracts often command a modest premium per point. This is a function of supply and demand — there are more buyers for 100–200 point contracts than there are for 400+ point packages, which makes smaller contracts slightly more competitive on a per-point basis.

That said, larger contracts produce a higher gross sale price even at a lower per-point rate, so the total net proceeds still increase with contract size.

3. Deed Expiration

All DVC contracts expire eventually, and the number of years remaining on your deed directly affects value. Contracts at resorts expiring in 2042 — including Beach Club, Boardwalk, Boulder Ridge, Old Key West (most contracts), Hilton Head, and Vero Beach — are priced lower per point than resorts with deed lengths running into the 2060s and beyond. Buyers are essentially purchasing fewer years of membership, and the price reflects that.

If you own at a 2042 resort, your contract can still sell well — buyers who understand the math know that the savings vs. booking cash stays often justify the shorter remaining term — but the per-point price will generally be lower than a comparable contract at a resort expiring in 2060 or later.

4. Use Year

Your Use Year — the month that starts your annual point cycle — affects how attractive your contract is to buyers, and therefore how quickly it sells and at what price. Use Years that align with popular vacation windows (February, June, August, September) tend to be more in demand. Less common Use Years can occasionally require minor pricing adjustments to attract the right buyer.

Use Year also affects your current point balance in a way that influences value — which brings us to the next factor.

5. Current Point Balance (Banked, Current, and Borrowed Points)

The points currently available on your contract at the time of sale are a significant factor in your contract's total value. Three scenarios matter here:

Banked points — Points you've carried forward from a prior Use Year are a genuine asset. Buyers pay for available points on top of the base contract price, so a contract with banked points is worth more than a stripped contract at the same resort. If you're considering selling, it can be worth timing your listing to maximize your available point balance.

Current-year points — Points available for the current Use Year add value similarly to banked points, with buyers compensating you for them at closing.

Borrowed points — If you've borrowed points from a future Use Year to use now, those points are no longer available to the buyer. A contract with borrowed points is worth less than a fully loaded one, since the buyer effectively starts with a deficit.

What the Market Is Doing Right Now

Context matters when pricing your contract. The 2026 resale market has been notably active, with our team closing 81 contracts in April alone — the strongest month of the year so far. Year-to-date, the average resale price across all resorts is running at $118.60 per point, slightly ahead of last year's full-year average of $115.13.

One of the defining stories of 2026 is Disney's aggressive use of Right of First Refusal (ROFR), exercising buybacks on 21.82% of submitted contracts year-to-date — more than double the 2025 rate. This actually benefits sellers: it signals Disney views current prices as undervalued, which supports asking prices and discourages buyers from submitting lowball offers.

What a Valuation Actually Involves

When our team provides a free contract valuation, we're looking at all of the factors above in combination — not just resort and point count. We compare your contract against recent closed sales of similar contracts at your resort, adjust for current point availability, Use Year desirability, and current buyer demand, and give you a realistic pricing range along with an honest assessment of how quickly we expect it to sell.

This isn't a number pulled from a general chart. It's a specific, data-driven opinion of value based on what's actually happening in the market right now — the same way a real estate agent provides a comparative market analysis before listing a home.

Our team's background as former Disney Vacation Club Guides gives us a layer of insight that most brokers don't have. We know these resorts, we know what buyers are looking for, and we know how to position your contract to attract the right offer quickly.

A Note on Online Estimates

You may have seen tools online that generate an instant DVC contract value estimate based on a few inputs. These can be a useful starting point, but they have real limitations — they typically don't account for your specific point balance, banked points, Use Year nuances, or the most recent closed-sale data at your resort. They're averages, not valuations.

The only way to get a truly accurate picture of what your contract is worth today — and what you'll net after commission and fees — is to talk to someone who knows the current market in detail.

The Bottom Line

Your DVC contract's value is determined by five things: resort, point count, deed expiration, Use Year, and current point balance. Of those, resort is the biggest driver — and the current market is active enough that well-priced contracts at most resorts are moving within 30 days.

The best next step is a free, no-pressure valuation from our team. You'll get a specific price range, an honest read on timing, and answers to any questions you have about the process — with no obligation to list.

Get your free DVC contract valuation →

Already know you're ready to move forward? You can start the listing process here and one of our former Disney Vacation Club Guides will be in touch within one business day.

DVC Resale Experts is a licensed real estate brokerage specializing in Disney Vacation Club resale contracts. Our team of former Disney Vacation Club Guides has helped thousands of members navigate the resale process with confidence. Not affiliated with The Walt Disney Company.