"Timeshare Points Value Calculator: How Much Are Your Points Worth in Cash?"

TL;DR

Disney Vacation Club (DVC) points hold the highest secondary market value, renting for $13.00 – $19.00 per point.
Club Wyndham and Westgate operate on a volume model with lower per-point values ranging from $0.0040 – $0.0120.
Marriott Vacation Club points typically rent for $0.35 – $0.90 per point, offering a mid-to-high value tier.
Hilton Grand Vacations (HGV), Diamond, and Bluegreen generally fall in the $0.08 – $0.20 per point range.
To determine your total annual rental value, multiply your allocated points by the brand-specific market rate (e.g., 300 DVC points × $13 = $3,900).

Knowing the cash value of your timeshare points is critical for understanding your investment. Many owners purchase points at a sales price that far exceeds their eventual rental value. By using secondary market data, you can determine if your points are performing as assets or liabilities. This guide provides verified per-point rental values to help you calculate the real worth of your ownership.

The Math Behind Your Points Value

Timeshare programs use different point systems, making direct comparison difficult without a standardized currency. The most accurate way to value your inventory is through the per-point rental rate. This figure represents what other owners are currently paying to rent points on the secondary market, not what you paid when you bought the contract.

When calculating your total value, use the formula: Total Points × Per-Point Rental Rate = Annual Cash Value

Most programs provide a typical allocation range. For example, a DVC owner typically holds 100–500 points, while a Club Wyndham owner might hold 50,000–1,000,000 points. A lower per-point rate does not necessarily mean lower total value if your allocation is higher. However, the efficiency of the system matters. High-value points (like DVC) allow you to access premium resorts with fewer units of inventory, whereas lower-value points require massive allocations to achieve similar booking power.

Brand-by-Brand Value Breakdown

The following table outlines the verified secondary market rental values for the major timeshare programs. These ranges reflect current market conditions for renting points, which fluctuate based on seasonality, demand, and point expiry.

| Brand | Per-Point Rental Value | Typical Owner Allocation | Estimated Annual Rental Value | | :--- | :--- | :--- | :--- | | Disney Vacation Club | $13.00 – $19.00 | 100–500 points | $3,900 – $5,700 (300 pts) | | Marriott Vacation Club | $0.35 – $0.90 | 1,000–15,000 points | $2,800 – $7,200 (8,000 pts) | | Hilton Grand Vacations | $0.10 – $0.20 | 2,000–50,000 points | $2,600 – $5,200 (26,000 pts) | | Diamond Resorts | $0.08 – $0.18 | 2,500–100,000 points | $4,100 – $9,225 (51,250 pts) | | Bluegreen Vacations | $0.08 – $0.16 | 4,000–60,000 points | $2,560 – $5,120 (32,000 pts) | | Vistana (StarOptions) | $0.025 – $0.055 | 30,000–200,000 points | $2,875 – $6,325 (115,000 pts) | | WorldMark by Wyndham | $0.07 – $0.14 | 5,000–30,000 points | $1,225 – $2,450 (17,500 pts) | | Club Wyndham | $0.0050 – $0.0120 | 50,000–1,000,000 points | $2,625 – $6,300 (525,000 pts) | | Westgate Resorts | $0.0040 – $0.0100 | 50,000–500,000 points | $1,100 – $2,750 (275,000 pts) |

Disney Vacation Club (DVC)

DVC is the highest-valued points program in the market. With a per-point value between $13.00 and $19.00, DVC points command a premium. This is driven by the brand equity of Disney, the demand for the 16+ home resorts, and the strict usage rules that create scarcity. A typical allocation of 300 points rents for roughly $3,900 to $5,700 per year. Owners often find that DVC points hold their value better than other programs during market fluctuations. For comprehensive details on this program, visit the Disney Vacation Club brand page.

Marriott Vacation Club

Marriott points offer a solid mid-to-high value tier, ranging from $0.35 to $0.90 per point. The program leverages the Marriott portfolio with 90+ resorts. With a typical allocation of 8,000 points, an owner can expect annual rental value between $2,800 and $7,200. The value varies significantly based on the specific resort tier and booking window. You can explore Marriott Vacation Club specifics for more on their inventory.

Hilton Grand Vacations (HGV) and Diamond Resorts

HGV points are valued at $0.10 to $0.20 per point. With 150+ resorts in the network, the typical owner holds around 26,000 points, translating to a rental value of $2,600 to $5,200 annually. Diamond Resorts operates similarly, now under the HGV Max platform following the 2021 acquisition. Diamond points range from $0.08 to $0.18, with typical allocations around 51,250 points yielding $4,100 to $9,225 in rental value. Both programs are part of the HGV ecosystem, but point exchange rules differ slightly.

Bluegreen Vacations

Acquired by HGV in 2024, Bluegreen points range from $0.08 to $0.16 per point. The typical owner holds 32,000 points, resulting in a value of $2,560 to $5,120 per year. There are 60+ resorts in the network. If you own Bluegreen points, checking their integration with the HGV system is vital for maximizing usage.

Wyndham Family (Club Wyndham & WorldMark)

The Wyndham family uses two distinct systems. Club Wyndham points are the core currency, valued at $0.0050 to $0.0120 per point. Allocations are massive, often exceeding 500,000 points, with rental values reaching $6,300 annually for high-tier owners. WorldMark by Wyndham uses credits valued at $0.07 to $0.14 per point, typically held in smaller allocations (17,500 points) worth $1,225 to $2,450. Both operate under Travel + Leisure Co.

Westgate Resorts

Westgate uses a similar volume model to Wyndham. Points are valued between $0.0040 and $0.0100. Typical allocations range from 50,000 to 500,000 points. An average owner with 275,000 points sees a rental value of $1,100 to $2,750. With 22+ resorts, the network is smaller than Wyndham's but offers distinct pricing structures.

Vistana (Sheraton / Westin)

Vistana points (StarOptions) are valued at $0.0250 to $0.0550 per point. Owned by Marriott Vacations Worldwide (acquired 2018), this program typically involves large point holdings (115,000 points) worth $2,875 to $6,325 annually. While Vistana is part of the Marriott ecosystem, it retains its own point system separate from Marriott Vacation Club.

Calculating Your Rental Value vs. Maintenance Fees

To understand your net value, you must compare the rental potential against your ongoing costs. The per-point rental value tells you what the market pays to rent your points. However, owners must subtract maintenance fees and special assessments to find the net profit.

For example, a Marriott owner with 8,000 points renting them for $2,800 (at the low end of $0.35) might face maintenance fees that consume a significant portion of that revenue. Conversely, a DVC owner renting 300 points for $3,900 (at $13/point) often pays lower maintenance fees per point compared to older legacy contracts.

Using our Timeshare Points Value Calculator can help you input your specific annual fees to see if renting your points out generates a positive cash flow. Do not rely solely on the gross rental value; the net value after expenses is what matters for financial health.

Selling Points: What You Can Actually Get

Selling points differs from renting them out. When you rent, you get market rates (the data above). When you sell, you often recover a fraction of the contract price. However, buying companies exist for specific programs.

Timeshare Rental Pros (TRP) buys points from exactly these 7 programs: Club Wyndham, WorldMark, Hilton Grand Vacations, Bluegreen, Disney Vacation Club, Marriott Vacation Club, and Diamond Resorts. They do not purchase Westgate or Vistana/Sheraton/Westin points. If you hold points in a program outside this list, you may need to look for other resale buyers or exit services.

For those looking to exit ownership, the resale value is typically based on the secondary market price per point, not the original sales price. A DVC point might sell for $14, while a Club Wyndham point might sell for $0.008. Always verify the current buy-back rates before signing a sales contract. You can view DVC resale options for a better idea of liquidity.

Maximizing Value Without Renting Out

If your goal is personal use rather than cash extraction, value is measured in cost-per-night compared to hotel rates. A DVC stay that costs $13 per point in rental value might cost significantly less if you use your points directly, provided you avoid high-demand seasons where points require higher "booking tier" costs.

However, if maintenance fees exceed the cost of renting similar accommodations off-market, the points are a financial burden. For owners in low-value programs (like Westgate or Club Wyndham), the sheer volume of points needed to book a week often results in high annual fees that outweigh the benefit of free nights. Owners should regularly audit their usage. If you cannot use the points, consider renting them out at the verified rates above to offset fees.

Next Steps for Your Portfolio

Determining your points' worth is the first step in managing your timeshare investment. If you own DVC, you are in a high-value tier. If you own Wyndham or Westgate, you are in a high-volume tier. Knowing the difference allows you to negotiate, rent, or sell with accurate expectations.

Verify your current point allocation: Check your annual deed or account summary.
Check your maintenance fees: Calculate your cost per available night.
Use the calculator: Compare your costs against the rental values provided in this guide.
Decide on strategy: Rent, sell, or continue using based on the data.

Use the verified numbers above to avoid overpaying for services or undercharging for your points. For real-time calculations and personalized advice, visit our Points Value Calculator to see exactly how your specific contract performs.