Rent vs buy DVC at Polynesian
Compares renting 150 points/year from David's Vacation Club Rentals (~$22/pt + 3%/yr inflation) vs buying a 150-point resale contract at $165/pt with 5%/yr dues growth. Studio room (~10 nights/yr).
Ownership beats renting after ~20 years.
| Years | Buy total | Rent total (David's Vacation Club Rentals) | Buy − Rent |
|---|---|---|---|
| 5 | $32,957 | $17,520 | +$15,437 |
| 10 | $41,772 | $37,831 | +$3,942 |
| 20 | $67,382 | $88,672 | −$21,290 |
| 30 | $109,099 | $156,999 | −$47,900 |
Try Before You Buy
Rent 150 points at Polynesian for ~$3,300
Same room as owning, zero 30-year commitment. Rent one trip through our exclusive partner David's Vacation Club Rentals to test the experience before you sign anything.
Get a rental quote at David's Vacation Club Rentals →Affiliate link — we earn a commission if you book. Doesn't change your price.
When buying wins
- You travel every year for the long haul (10+ years)
- You can pay cash — financing destroys the math
- You picked a contract with 28+ years remaining
When renting wins
- You visit every 2–3 years or unpredictably
- You'd need to finance the purchase
- You want zero exposure to rising dues