Rent vs buy DVC at Saratoga Springs
Compares renting 150 points/year from David's Vacation Club Rentals (~$22/pt + 3%/yr inflation) vs buying a 150-point resale contract at $95/pt with 5%/yr dues growth. Studio room (~10 nights/yr).
Ownership beats renting after ~10 years.
| Years | Buy total | Rent total (David's Vacation Club Rentals) | Buy − Rent |
|---|---|---|---|
| 5 | $23,170 | $17,520 | +$5,650 |
| 10 | $32,895 | $37,831 | −$4,936 |
| 20 | $61,148 | $88,672 | −$27,524 |
Try Before You Buy
Rent 150 points at Saratoga Springs 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
Keep reading
Hand-picked next steps to plan your DVC decision.
- Rent DVC PointsTry DVC before you buy — rent points from an owner for one trip at $20–$23/pt with zero commitment.
- Buying DVC vs Renting Points: Which Is Right for You?Should you buy a DVC membership or just rent points? We compare the costs, flexibility, and break-even points to help you decide.
- How to Rent DVC Points: A Complete Guide for Non-MembersHow to rent DVC points from an owner: what it costs ($20–$23/pt through a broker), the step-by-step process from request to check-in, the best brokers vs. private options, and when renting makes more sense than buying.
- Renting Out Your DVC Points: How Much Owners Actually EarnHow much can you earn renting out DVC points? Owner earnings by resort ($1–$11/pt net after dues), step-by-step process for using a broker vs. going private, rules on what Disney allows, and when renting beats banking.
- Is DVC Worth It?An honest breakdown of whether Disney Vacation Club makes financial sense. We analyze the real costs, savings, and when DVC is (and isn't) worth buying.
- Resale vs DirectDVC resale contracts cost 30-60% less than buying direct from Disney. Here's exactly what you keep, what you lose, and which option makes more sense.