Grand Floridian DVC: resale or direct, and the lowest dues in DVC
Buying Guide 003: the Villas at Disney's Grand Floridian Resort, resale or direct. Grand Floridian has the lowest annual dues of all 17 DVC resorts, $8.31 a point in 2026, and they have grown slower than almost every other resort since 2017. Same 150 points: resale $26,649, direct $40,550.
Here is what each route costs, why the lowest dues per point don't make it the cheapest week, five reasons owners buy here and five reasons they buy elsewhere, what resale keeps, where it ranks among the 17 resorts, Disney's current offers, and how long it takes to pay for itself.
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- Resale: $26,649 for 150 points ($167.66 a point plus $1,500 closing), about $11.68 per point per year to own, 4th cheapest of 17.
- Direct: $40,550 ($265 a point plus about $800 closing), about $14.11 per point per year, with no promotion right now.
- Resale is 66% of Disney's price here; at most resorts it's about 55%. Only Polynesian and Grand Californian save less.
- Dues: $8.31 a point, the lowest of 17, up 3.9% a year since 2017, third slowest of the 14 resorts open that whole span.
- The catch: a September studio week is 120 points, $997 in dues, against 73 points and $671 at Saratoga Springs.
Resale is 66% of direct, which is high for DVC
150 points, full contract length (the deed ends in 2064, 38 years left):
| Resale | Direct from Disney | |
|---|---|---|
| Price | $26,649 | $40,550 |
| How | $167.66/pt + $1,500 closing | $265/pt + about $800 closing |
| Per point, per year to own | $11.68 | $14.11 |
Per year to own is the price spread over the 38 years left on the deed, plus yearly dues (growing 4% a year, in today's dollars). Same points: $2.44 more per point, every year, direct, or $13,901 more up front.
Resale as a share of Disney's price, 150 points with closing, across the 17 resorts:
| Resort | Resale share |
|---|---|
| Vero Beach | 41% |
| Saratoga Springs | 53% |
| Median of 17 | 55% |
| Copper Creek | 60% |
| Grand Floridian | 66% |
| Polynesian | 73% |
| Grand Californian | 80% |
Only Polynesian and Grand Californian save you less by buying resale.
The lowest dues of 17, and the third-slowest growth
2026 dues per point, the lowest four and the highest two of the 17 resorts:
| Resort | 2026 dues |
|---|---|
| Grand Floridian | $8.31 |
| Polynesian | $8.33 |
| Bay Lake Tower | $8.74 |
| Copper Creek | $9.02 |
| Hilton Head | $12.86 |
| Vero Beach | $14.89 |
Average yearly dues increase, 2017 to 2026, the 14 resorts open that whole span:
| Resort | Per year |
|---|---|
| Copper Creek | 2.3% |
| Polynesian | 3.4% |
| Grand Floridian | 3.9% |
| Boulder Ridge | 4.6% |
| Hilton Head | 6.5% |
| Vero Beach | 7.0% |
150 points cost $1,247 a year in dues in 2026, up from $885 in 2017. Aulani's subsidized contracts pay $8.24, but those are a subset of one resort. Past increases don't promise future ones.
The catch: lowest per point, not per night
Dues are charged per point, and Grand Floridian rooms take more points than most. The cheapest studio for the same September week (Sunday September 5 to Sunday September 12, 2027, 2027 charts at 2026 dues):
| Resort | Cheapest studio | Points | Dues |
|---|---|---|---|
| Animal Kingdom | Value studio | 62 | $630 |
| Saratoga Springs | Standard studio | 73 | $671 |
| Riviera | Tower Studio | 76 | $719 |
| Polynesian | Duo Studio | 95 | $791 |
| Grand Floridian | Resort Studio | 120 | $997 |
| Aulani | Standard studio | 119 | $1,304 |
Low dues per point make Grand Floridian cheap to own. A week here still takes about 120 points. Both things are true.
Five reasons owners buy here
- The lowest dues in DVC. $8.31 a point in 2026, risen 3.9% a year since 2017, third slowest of 14.
- 11 months buys what 7 can't. Deluxe Studios at Thanksgiving: 6.9 of 7 nights open at 11 months, 0.1 at 7. Only owners here book at 11.
- Your points buy Disney's priciest studio. A September Resort Studio week is $6,573 at Disney's price, the highest studio week at Walt Disney World. Owners pay $997 in dues for it.
- Resale holds its value. $162 to $168 a point in the last year. Resale sells at 66% of Disney's price; only two resorts hold more.
- 38 years on the deed. Contracts run to 2064, later than 11 of the 17 resorts.
Booking odds are DVC Field Guide availability history, not live inventory. Resale prices are Fidelity's September 2025 and September 2026 averages. Disney's cash price is for September 6 to 13, 2026, with tax.
Five reasons they buy elsewhere
- Rooms take more points. A September studio week is 120 points, the most at Walt Disney World that month, and about 25% above the WDW average across the year.
- Dues per week aren't low either. Those 120 points cost $997 in dues here, $671 at Saratoga Springs, $630 at Animal Kingdom.
- The buy-in is steep. $168 a point resale, second only to Polynesian at Walt Disney World. 150 points is $26,649 with closing.
- The resale discount is small. Buying resale saves about 34% off Disney's price here, against about 45% at most resorts. It's the flip side of resale holding its value.
- Most studios have no kitchenette. 202 of the 249 studios are Resort Studios: a cooler and microwave, no sink or kitchenette. The 47 Deluxe Studios are the hardest room to get.
What direct buys you, and what resale keeps
- Keeps: the 14 original resorts at 7 months, Grand Floridian included.
- Loses: Riviera, Disneyland Hotel and the Cabins. Resale points bought since 2019 can't book them.
- Keeps: owning here is how you get a Deluxe Studio or a holiday week. Those are mostly gone by 7 months; owners book at 11, and that comes with resale points too. Resort Studios in summer often last to 7 months.
- Loses: Membership Extras (discounts, member events) need 150+ points bought direct.
- Loses: cruises and Concierge Collection hotels can't be booked with recent resale points.
Disney Vacation Club's resale rules and DVC Field Guide availability history. Disney can change Membership Extras at any time.
4th cheapest to own, out of 17
Resale cost per point per year to own, 150 points, full contract, the top five and bottom two of the 17 resorts:
| # | Resort | $/pt/yr | Deed ends |
|---|---|---|---|
| 1 | Riviera* | $10.84 | 2070 |
| 2 | Copper Creek | $11.18 | 2068 |
| 3 | Polynesian | $11.51 | 2066 |
| 4 | Grand Floridian | $11.68 | 2064 |
| 5 | Disneyland Hotel* | $11.96 | 2074 |
| 16 | Vero Beach | $17.84 | 2042 |
| 17 | Beach Club | $18.66 | 2042 |
*Resale points book only that resort. A long deed and the lowest dues keep a $168 point cheap to own. The 2042 deeds cost the most: fewer years to spread the price over. Price plus closing over the years left, plus yearly dues, from Fidelity's September 2026 resale averages.
Want it direct? No deal right now
Disney has no promotion on Grand Floridian: $265 a point, one of the highest direct prices in DVC (100-point minimum, 25 for current members). Ask a DVC Guide what they can do. Disney's deals for new members buying 200 points, as of October 8, 2026, are elsewhere:
- Aulani: $8,000 off
- Cabins at Fort Wilderness: $7,600 off
- Disneyland Hotel: $5,200 off
- Riviera: $4,200 off
- Polynesian: $2,400 off
Smaller purchases get smaller offers or none, so ask Disney what yours would be. Offers end December 9, 2026 and change often.
When does it pay for itself? About 7 to 11 years on resale
| Measured against | Resale | Direct |
|---|---|---|
| Paying Disney cash (points worth $30 each) | 7 years | 10 years |
| Renting points from an owner (points worth $20 each) | 11 years | 15 years |
Each year you own, the points you use are worth $30 (what Disney would charge for the stay) or $20 (renting them from another owner), and you pay $1,247 in dues. The years are how long that takes to cover a $26,649 resale or $40,550 direct buy-in, with point values rising 5% a year and dues 4%, and nothing counted for selling the contract later.
These numbers swing a lot with the assumptions: if prices and dues never rise, resale takes about 8 and 15 years. Run your own in the free Buying Guide.
Grand Floridian DVC points chart: every room and season →
Your turn: Resale or direct: which would you buy, or which did you buy? Tell us in the comments on Instagram.
150 points, studios, full contract length (deed ends 2064). Resale: Fidelity Real Estate's September 2026 averages; direct price and promotions: DVCNews, Oct 8, 2026; direct closing costs from Disney's own estimates. Per year to own = price + closing spread over the years left, plus yearly dues (4%/yr growth, today's dollars). Payoff: points valued at $30 (Disney's cash price) or $20 (renting from an owner), rising 5%/yr, against dues rising 4%/yr; nothing counted for reselling. Dues growth: published dues by year, 2017-2026. Studio week dues: 2027 charts x 2026 dues per point, Sep 5-12, 2027. Booking odds: DVC Field Guide history, not live inventory. Studio counts from Disney Vacation Club. Prices change monthly. Not financial advice.
