Price per point VS. Dues per Point

I calculate a break even point cost that factors in point cost, dues, contract length and time value of money.

When i do that Poly, SSR, BLT, CCV and VGF are all so close (within $1/pt) that they might as well be tied for the cheapest over the long term, which can seem surprising.

There are spreadsheets for these kind of calculations. Ultimately, I think the expiration year is the biggest factor. Then maybe dues and finally price per point.

Thanks for the insight!

Thanks for the link!

I do think the dues are an under-appreciated part of the calculation. You need to not only look at dues currently, but more importantly, the rate at which the dues increase over time.

While this is hard to do, because things can change, I believe Paul has provided these #s in the CAGR rate listed each year by the change in dues chart. I have done a spreadsheet where you calculate out each property, and how the dues would increase using each's CAGR. That is a really helpful data point in all of this, and tends to be the weightiest factor in my planning.

Buying & Selling DVCFreaks in the (Spread)SheetsI am sure many of us have them....so wanted to create a single place to geek out together and share all of our DVC Spreadsheets. Here is one…by Buckeye·12 repI totally agree. The only caveat is it's difficult to compare a new resort with an old resort, since dues tend to not increase as much in the first couple of years. This can skew the results towards newer resorts. But you wouldn't expect something like the Cabins to maintain a 0.4% CAGR. In the spreadsheet I used (linked above), there was an option to project the total cost with the provided CAGR per resort. It's important to add an inflation adjustment, or else the resorts with longer expiration dates will look more expensive due to the nominal amount growing over more years than the resorts wih earlier expiraiton dates.

I have found this resource to be a good general guidance: https://www.dvcresalemarket.com/blog/best-economical-dvc-resorts-to-purchase-fall-2025/

Correct. I recently posted a comment on this exact point. When I bought into BCV, I calculated the average dues increase per year over the life of the contract based on the historical dues increases each year. I also looked at the average variance off that average (how often and by how much, on average, is there a spike or decline). However, what I didn't factor was that the dues will escalate quite a bit as the resort ages. I am seeing that with BCV over the last few years. The dues have been a good deal higher than what I had anticipated. It was still a no-brainer decision (especially resale!), mind you, but it's something to be aware of.

We used this data when deciding where to buy! So far we've been very pleased with the surprisingly low dues for VGF.

Another good resource! Thanks!

Aside from the obvious outliers (the two atlantic coastal resorts), I feel like buying based upon what dues are relative to other disney resorts today is a bit of a gamble. Is there evidence that lower dues resorts will stay low relative to others? What happens when DVC announces some major capital improvement plan at lower dues resorts and then boom there goes that rationale to buying. For example, and I am no expert on what is/is not part of dues, but its no secret the monorail is both an essential part of WDW and also older than dirt and often not working well. WDW decides the “resort loop” needs a major modernization and distributes much of that cost to the resort loop resorts and their associations. Big upgrade yes but dues might go up to match, no? And that is just an example (might be a bad one when someone who lives in the agreements says monorail cant be part of DVC dues) but there are a whole host of costs that could baloon.