I was also wrong about the average dues increase - it does average about 3%; I should have checked before I spoke.
Also, here is some analysis from tagrel.com:
We travel to Disney yearly - How do I convince my other half DVC is right for us?
The one question that comes to mind when answering this question is what sort of accommodations do you normally stay in?
If you normally stay in a Disney Deluxe Resort, then you will find the DVC to be a great money saver. Even if you regularly stay in moderate resorts, DVC can save a family (depending on when they travel) quite a lot in the long run.
Heres one way to estimate your DVC cost for a trip versus simply paying cash on a resort room. Basically, you want to figure out what the per point cost is for the year of your trip.
Assumptions
A purchase of 150 DVC points at the current prices, beginning in 2006, and not including special offers or discounts that Disney may offer resort guests).
$14,700 = cost to purchase 150 SSR points (current prices are $98 per point)
Calculating Per Point Cost
$2.04/pp = actual cost of points per year ($14,700 divided by 48 years = $306.25 divided by 150 points)
$3.94/pp = estimated cost of 2006 maintenance fees (current price $3.83 plus est. 3% increase) Total 2006 per point cost = $5.98
(For an apples to apples comparison, lets assume you can use your points towards a studio at the Beach Club Villas.)
One week in Beach Club Villas Studio in May (Dream Season) = 123 points = $735.54 (123 X $5.98)
One week in Beach Club Resort in May (Standard Room) = $334 X 7 nights = $2,338.00 (not including taxes)!
Even if you were to get an AP discount for your room, you are still saving close to $1,000! You can use this formula for other resort comparisons by using our Point Charts (http://tagrel.com/Points/DVCPointCharts.shtml) or our DVC Points Calculator (http://tagrel.com/dvcCompChart.shtml) to help you try various scenarios.
Each year, you can expect the maintenance fees to go up about 3-5%; however, room rates also increase fairly regularly as well. For someone who visits DVC annually, this gives some peace of mind that your rate will not fluctuate a whole lot.
Retrieved from "http://tagrel.com/wiki/index.php?title=Disney_Vacation_Club_%28DVC%29_FAQ
I hope that this helps.
Regina
Also, here is some analysis from tagrel.com:
We travel to Disney yearly - How do I convince my other half DVC is right for us?
The one question that comes to mind when answering this question is what sort of accommodations do you normally stay in?
If you normally stay in a Disney Deluxe Resort, then you will find the DVC to be a great money saver. Even if you regularly stay in moderate resorts, DVC can save a family (depending on when they travel) quite a lot in the long run.
Heres one way to estimate your DVC cost for a trip versus simply paying cash on a resort room. Basically, you want to figure out what the per point cost is for the year of your trip.
Assumptions
A purchase of 150 DVC points at the current prices, beginning in 2006, and not including special offers or discounts that Disney may offer resort guests).
$14,700 = cost to purchase 150 SSR points (current prices are $98 per point)
Calculating Per Point Cost
$2.04/pp = actual cost of points per year ($14,700 divided by 48 years = $306.25 divided by 150 points)
$3.94/pp = estimated cost of 2006 maintenance fees (current price $3.83 plus est. 3% increase) Total 2006 per point cost = $5.98
(For an apples to apples comparison, lets assume you can use your points towards a studio at the Beach Club Villas.)
One week in Beach Club Villas Studio in May (Dream Season) = 123 points = $735.54 (123 X $5.98)
One week in Beach Club Resort in May (Standard Room) = $334 X 7 nights = $2,338.00 (not including taxes)!
Even if you were to get an AP discount for your room, you are still saving close to $1,000! You can use this formula for other resort comparisons by using our Point Charts (http://tagrel.com/Points/DVCPointCharts.shtml) or our DVC Points Calculator (http://tagrel.com/dvcCompChart.shtml) to help you try various scenarios.
Each year, you can expect the maintenance fees to go up about 3-5%; however, room rates also increase fairly regularly as well. For someone who visits DVC annually, this gives some peace of mind that your rate will not fluctuate a whole lot.

Retrieved from "http://tagrel.com/wiki/index.php?title=Disney_Vacation_Club_%28DVC%29_FAQ
I hope that this helps.
Regina