Polynesian DVC: resale or direct, and the tower resale points can book

Resale is 73% of direct, the smallest gap at WDW

At most resorts, resale runs about 55% of Disney's price. Here the gap is small because Disney's own price is low for a deed to 2066: $243 a point, the same as Riviera. 150 points, full contract length (40 years left):

Resale as a share of Disney's price, 150 points with closing, across the 17 resorts:

Direct is $9,929 more up front. Spread over the 40 years left on the deed, that's $1.65 a point a year (dues are the same either way): the smallest direct premium of all 17 resorts. Per year to own is the price plus closing spread over the years left, plus yearly dues (growing 4% a year, in today's dollars).

2nd-lowest dues of 17, and they fell in 2025

2026 dues per point, the lowest four and the highest two of the 17 resorts:

Average yearly dues increase, 2017 to 2026, the 14 resorts open that whole span:

150 points cost $1,250 a year in dues in 2026, up from $921 in 2017. Dues fell from $8.23 to $7.93 in 2025 as the Island Tower joined, one of only two DVC resorts whose dues went down (the other was the Cabins at Fort Wilderness), then rose to $8.33 in 2026. Past increases don't promise future ones.

The catch: low per point, pricey per night

One contract, very different weeks. The same September week at Polynesian (Sunday September 5 to Sunday September 12, 2027, resort view, 2027 chart at 2026 dues), room by room:

150 points a year covers the three studios. A family of five fits a longhouse studio, not a tower one. Want the tower's 1-Bedroom instead? Twice the points: 222. Dues are for the stay only, not the cost of buying.

Five reasons owners buy here

1. The Island Tower, on resale points. It joined the original association, so a resale contract books it at 11 months like one bought from Disney, with the same 2066 end date.
2. The monorail and the lagoon. Monorail or boat to Magic Kingdom, a walk to the TTC for the EPCOT monorail, and the fireworks across Seven Seas Lagoon.
3. Room to grow without moving. A Duo Studio for two now, a tower 1-Bedroom when the family grows: same home resort, same 11-month window, if you buy enough points.
4. Low dues, a long deed. $8.33 a point, second-lowest of 17, up 3.4% a year since 2017. Contracts run to 2066, later than 12 of the 17 resorts.
5. Buying direct costs less here than anywhere. $13.16 per point per year bought from Disney, the lowest of all 17.

Disney Vacation Club filings on the Island Tower (May 2024), published dues, DVCNews direct prices.

Five reasons they buy elsewhere

1. The priciest standard studio at Walt Disney World. An average week in a longhouse studio takes 151 points, 28% above the WDW average of 119. September is 111.
2. The highest resale price at Walt Disney World. $172 a point; 150 points is $27,321 with closing. Only Grand Californian costs more.
3. The resale discount is small. Buying resale saves about 27% off Disney's price here, against about 45% at most resorts.
4. The tower takes planning. Tower 1-Bedrooms at New Year's had 0 of 7 nights open at 7 months; Duo Studios in summer, 2 of 7. If a tower room or a holiday is the goal, you book at 11 months.
5. You have to want Poly, a lot. At these prices 150 points is about one studio week a year. If you'd rather move around, a cheaper home resort buys more nights at the same 14 resorts.

2027 charts (average of 51 Sunday-to-Sunday weeks, resort view), Fidelity's September 2026 resale averages. Booking odds are DVC Field Guide availability history, not live inventory.

What direct buys you, and what resale keeps

• Keeps: the 14 original resorts at 7 months, Polynesian included.
• Loses: Riviera, Disneyland Hotel and the Cabins. Resale points bought since 2019 can't book them.
• Keeps: same tower, same 11-month window, same 2066 end date. A resale Polynesian contract books the Island Tower just like one bought from Disney, subject to availability.
• 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.

3rd 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:

*Resale points book only that resort. The highest resale price at Walt Disney World still ranks third, because the deed runs 40 years and dues are low. The 2042 deeds cost the most: fewer years to spread the price over. Cost per point per year, not per vacation: price plus closing over the years left, plus dues, from Fidelity's September 2026 resale averages.

Want it direct? There's an offer

Disney's price is $243 a point (100-point minimum, 25 for current members), and Polynesian is one of five resorts with a promotion right now: $2,400 off 200 points for new members, $3,200 for current members. On 200 points that's $12 a point, so about $231. Ask a DVC Guide what a smaller purchase gets. Disney's deals for new members buying 200 points, as of October 8, 2026:

• 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 12 years on resale

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 $1,250 in dues. The years are how long that takes to cover a $27,321 resale or $37,250 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 16 years. Run your own in the free Buying Guide.