If you own DVC and you are not using all your points this year, you are leaving money on the table. Real money. Depending on your contract size, renting unused points could put $2,000 to $6,000 or more in your bank account.

Let me show you exactly what the numbers look like.

Current Market Rates for DVC Point Rentals

In 2026, DVC points are renting for roughly $18 to $23 per point on the private market. The exact rate depends on a few factors, but that is the range most transactions are falling into.

Here is what that looks like for common contract sizes:

Compare that to your annual dues. If you own 200 points at Saratoga Springs, your annual dues are roughly $1,700. Renting those points at $19 per point brings in $3,800. That is $2,100 in profit after covering your dues entirely.

What Affects the Price Per Point?

Not all points are created equal in the rental market. A few things affect what renters will pay:

Time of year: Points available during peak seasons (spring break, summer, Christmas week) command higher prices. If your points can book a room during the first week of January, you might only get $17 per point. But points that can book Christmas week at the Grand Floridian? $22 or more.

Home resort advantage: DVC members can book their home resort at the 11-month window. Everyone else has to wait until 7 months out. If you own at a high-demand resort like Riviera or Polynesian, renters will pay a premium because you can book rooms they cannot access.

How far in advance: Points that are expiring in a few months are worth less because booking options are limited. Points with a full use year ahead of them are worth more because the renter has maximum flexibility.

Room availability: During busy times, DVC rooms sell out fast. If you can grab a hard-to-get reservation (like a studio at Beach Club during Food and Wine Festival), the value of those points goes up because you are offering something a renter cannot get on their own.

Broker vs. Direct Rental: The Income Difference

You have two options for renting your points. Going through a broker or renting directly to someone.

Brokers like David's Vacation Club Rentals pay members around $14 to $16.50 per point. It is easy. You tell them you have points available, they find a renter, and they handle everything. But you are giving up 25% to 30% of the market value.

Renting directly, you set your own price. At $19 to $22 per point, here is the income difference on a 200-point rental:

On a 300-point contract, the difference is over $1,200. That adds up fast if you rent annually.

The Risk of Direct Rentals (And How to Fix It)

The reason brokers exist is because direct rentals carry risk. You are handing your points to a stranger who paid you through Venmo or Zelle, and you are hoping the payment sticks. Chargebacks, bounced checks, and disappearing renters are all real problems.

This is where escrow changes the math. Using DVC SafePay, you rent directly at full market rates but with the same payment security a broker would provide. The renter's money is verified and held safely. You get paid after check-in. No chargeback risk. No payment games.

So you earn $20 per point instead of $16, and you are just as protected.

When Should You Rent vs. Use Your Points?

This is a personal decision, but here is a simple way to think about it. Look up how much cash you would spend to book the same room directly from Disney. Then compare that to what you would earn by renting your points instead.

Say you own 200 points and you were planning a trip to Copper Creek that would use 175 points. Disney charges about $5,200 for that same room booked with cash. You would save $5,200 by using your points.

But if you rented those 175 points at $20 each, you would earn $3,500. You could use that $3,500 toward a different vacation, or put it in savings, or cover your DVC dues for the next two years.

If the Disney trip is worth more than $3,500 to you, use the points. If not, rent them.

Tax Considerations

Quick note: rental income from DVC points is taxable. The IRS considers it rental income. Most DVC members can deduct their annual dues and any fees (like escrow fees) against that income. Talk to your accountant about the specifics for your situation. Don't just ignore it and hope for the best.

Getting Started

If you have points you are not going to use, here is the fastest path to renting them:

  1. Figure out how many points you have available and when they expire
  2. Decide on your price per point (check DVC forums for current market rates)
  3. List your points on a DVC forum, Facebook group, or rental site
  4. Once you find a renter, set up escrow through DVC SafePay
  5. Book the reservation after funds are verified
  6. Get paid after check-in

The whole process can be done in a day. And the money you earn can turn an unused timeshare year into actual cash in your bank account.