Saratoga Springs DVC cost in 2026
2026 pricing for Saratoga Springs: ~$95/pt resale, $9.19/pt annual dues, contract through 2054 (28 years remaining). Below: ownership math at three common point counts, no financing.
| Points | Upfront | Dues yr 1 | Nights/yr (studio) | Total over contract | Cost / night |
|---|---|---|---|---|---|
| 100 | $10,800 | $919 | 6 | $64,472 | $384/night |
| 150 | $15,550 | $1,379 | 10 | $96,058 | $343/night |
| 200 | $20,300 | $1,838 | 13 | $127,644 | $351/night |
What the math assumes
- Resale price $95/pt plus $1,300 resale closing
- Annual dues escalate 5%/yr (long-term DVC average)
- Studio at ~150 pts/yr → 10 nights/year (15 pts/night average)
- Cash-hotel benchmark: $650/night studio rack rate
- No financing — Disney financing at 11–12.5% APR roughly doubles total cost
To compare against renting points instead of owning, see the Saratoga Springs rent-vs-buy breakdown. For your exact dates and room type, run the full Saratoga Springs calculator.