How Long Does It Take to Break Even on a Copper Creek Resale Contract?

DVC resale contracts can save you thousands of dollars compared to buying a contract directly through Disney, but how long does it take for you to break even on your purchase compared to cash stays through Disney?  Let’s walk through an example with a Copper Creek resale contract.  

What Does a Resale Contract Cost?

At the time of writing this blog, the average price per point for a Copper Creek resale contract is around $131 per point.  If you were to purchase a 150-point contract at $131 per point, it would cost $19,650. 

How Many Stays Can You Book with 150 Points?

Based on the 2024 Copper Creek points chart, a 150-point contract is enough points to get you a week or more in a Deluxe Studio for most times of the year (except around Christmas and Easter).  In fact, during most travel periods you can do a full week in a Copper Creek Deluxe Studio and then have points leftover for a short weekend stay.  

How Does That Compare to Cash Stays?

An average night in a Copper Creek Deluxe Studio costs $562.17 when booking a cash stay through Disney’s website.  For a weeklong stay, that would be $3,935.19 or $4,427.09 after the 12.5% resort tax.  If you were to take a similar vacation every year for 5 years, you would be paying Disney more than the cost of that 150-point Copper Creek resale contract!  That’s without adjusting for the fact that the cost of Disney resort stays increases every year. 

Copper Creek Deluxe Studio

What About Annual Dues?

Once your DVC contract is paid up, the only other cost is the annual dues.  Copper Creek dues are currently $8.09 per point, so for that 150-point contract, you’d pay $1,213.50 for the year.  This is less than the cost of that weeklong cash stay at Copper Creek ($4,427.09).  While dues do increase from year to year, the increase for Copper Creek has been low with an inception-to-date compound annual growth rate of 1.3%.  On average, cash stays have an average annual increase of 7.7%.

Interested in purchasing a DVC contract?  Access all available Disney Vacation Club resale listings, or learn more about buying and selling with DVC Resale Market.