What are dues??
Simple answer to that is every year you pay a cost per point you own. On average 2023 dues are all dues are now $6.8727 up to over $12.8503 per point (“PP”). This matters because if you have a low point of entry for the cost per point, the dues are usually the opposite at higher. On average dues in the past used to average around a 4% move, but these past few years they average around 6-9%. That’s only two year’s time for a huge shift in increases per year.
If you get Vero Beach, that is as low as $70pp to get in resale. But your Dues are $12.8503. On 150 points that mean you pay $10500 to get your points, and say you bought in January 1 of this year, that means you pay $1927.55 for your dues yield a total cost of $12427.55
If you get Aulani Subsidized (RESALE ONLY), your points will cost you $108PP, with a dues of $6.8727. That means it costs you $16200 to get your points and again let’s assume you got then January 1 of this year. Your dues for this year is $1030.91. Your total cost is then $17230.91
Above is an example of the cheapest and most expensive dues in the system. You can see what while the cost of your expensive dues is $1927.55 and the cheapest is $1030.91. The cost this year is is nearly double just in dues. but the overall cost of your purchase is about $5000 more.
Why do these numbers matter? Recall above the average cost is about 6-9% increase per year. Lets say in 3-5 years that average will shift to 8-10% which is highly likely.
Roughly in this model in 10 years time your dues will double. But remember your Vero Beach STARTED already doubled. So you are going to pay not double, but roughly 4x more from when you started in that time.
| PTS | 150 | ||||
| Vero Beach | VB Cost | Aulani | Aulani Cost | ||
| 2023 | $12.8503 | $1,927.55 | $6.8727 | $1,030.91 | |
| 2024 | 6% | $13.6213 | $2,043.20 | $7.2851 | $1,092.76 |
| 2025 | 6% | $14.4386 | $2,165.79 | $7.7222 | $1,158.32 |
| 2026 | 6% | $15.3049 | $2,295.74 | $8.1855 | $1,227.82 |
| 2027 | 7.50% | $16.4528 | $2,467.92 | $8.7994 | $1,319.91 |
| 2028 | 7.50% | $17.6867 | $2,653.01 | $9.4594 | $1,418.90 |
| 2029 | 8% | $19.1017 | $2,865.25 | $10.2161 | $1,532.42 |
| 2030 | 8% | $20.6298 | $3,094.47 | $11.0334 | $1,655.01 |
| 2031 | 9% | $22.4865 | $3,372.97 | $12.0264 | $1,803.96 |
| 2032 | 10% | $24.7351 | $3,710.27 | $13.2290 | $1,984.36 |
| 2033 | 10% | $27.2087 | $4,081.30 | $14.5520 | $2,182.79 |
| 2034 | 10% | $29.9295 | $4,489.43 | $16.0071 | $2,401.07 |
Let’s Go one more step and add in your BUY IN cost. Let’s assume you paid full cash and did not need to pay interest. Lets look at the cost of BUY IN + the cost of your annual dues added up below!
| PTS | 150 | 10500 | 16200 | ||||
| Vero Beach | VB Cost | VB Total Paid | Aulani | Aulani Cost | Aulani Total Paid | ||
| 2023 | $12.8503 | $1,927.55 | $12,427.55 | $6.8727 | $1,030.91 | $17,230.91 | |
| 2024 | 6% | $13.6213 | $2,043.20 | $14,470.74 | $7.2851 | $1,092.76 | $18,323.66 |
| 2025 | 6% | $14.4386 | $2,165.79 | $16,636.53 | $7.7222 | $1,158.32 | $19,481.99 |
| 2026 | 6% | $15.3049 | $2,295.74 | $18,932.27 | $8.1855 | $1,227.82 | $20,709.81 |
| 2027 | 7.50% | $16.4528 | $2,467.92 | $21,400.19 | $8.7994 | $1,319.91 | $22,029.72 |
| 2028 | 7.50% | $17.6867 | $2,653.01 | $24,053.20 | $9.4594 | $1,418.90 | $23,448.63 |
| 2029 | 8% | $19.1017 | $2,865.25 | $26,918.45 | $10.2161 | $1,532.42 | $24,981.05 |
| 2030 | 8% | $20.6298 | $3,094.47 | $30,012.92 | $11.0334 | $1,655.01 | $26,636.06 |
| 2031 | 9% | $22.4865 | $3,372.97 | $33,385.90 | $12.0264 | $1,803.96 | $28,440.02 |
| 2032 | 10% | $24.7351 | $3,710.27 | $37,096.17 | $13.2290 | $1,984.36 | $30,424.37 |
| 2033 | 10% | $27.2087 | $4,081.30 | $41,177.47 | $14.5520 | $2,182.79 | $32,607.17 |
| 2034 | 10% | $29.9295 | $4,489.43 | $45,666.90 | $16.0071 | $2,401.07 | $35,008.24 |
Surprise, you will pay $10658.66 MORE in 11 years from now. And it will get worse as time goes on. After all the resort is ownable 50 years AFTER it goes on sale, with OKW getting extended deeds.
In summary the point was even though the BUY IN cost at the start was higher, the DUES in the long term will definitely contribute to your total spend and it snowballs. Starting with high dues mean you will pay more than starting with lower dues.
Remember this examples uses Aulani which is no longer obtainable direct with subsidized dues. You must buy resale to get this.
°”Offer requires new purchasers to participate in a Resort sales tour, either telephonically, online, or in person (“Tour”), and buy an ownership interest of at least 150 Vacation Points in AULANI, Disney Vacation Club® Villas, Ko Olina, Hawaiʻi, Disney’s Riviera Resort or The Villas at Disney’s Grand Floridian Resort & Spa. Savings is a credit off the purchase price and does not represent any portion of the minimum down payment required of at least 10%, depending on qualified financing. Prices do not include one-time closing costs. Offer expires and all Tours must be completed by 365 days from date when new purchaser input their personal information into the Dream it Forward information request form. Offer cannot be combined with other select offers or discounts and may be extended, modified, or withdrawn at any time without notice. Current Disney Vacation Club Members are not eligible for this offer. Must be a legal resident of one of the fifty (50) United States or Washington D.C. to be eligible for this offer. Void where prohibited. Additional restrictions and terms may apply.”