Vero Beach Subsidized Contracts

[airjay75]

I honestly feel BWV and BCV are fair resorts to compare VB with since they all expire at the same time and people buy them specifically for location and room types. You have a specific goal for those points.

I hadn’t really thought about the comparison to BWV/BCV but I think you’re right. So long as the beach cottages are what I want those points for and am ok with the cost of the beach cottages, this isn’t as crazy and irrational as it might seem.

 

[DanCali]

I honestly feel BWV and BCV are fair resorts to compare VB with since they all expire at the same time and people buy them specifically for location and room types. You have a specific goal for those points.

I think there are subtle differences here - let's focus on BWV vs VB.

First you can say that, roughly speaking - after adding the annualized upfront cost + annual dues, that the cost of owning either VB or BWV is about the same at about $17/pt/year±$1. So there's an argument to be made that at the prevailing prices and dues, just go ahead and rent what you need from another owner, which you can do in many cases at maybe just 10%-15% more. The difference is minimal, especially if it's not always annual visits that always involve a lot of points.

But if we're talking buying for location and room types, and ease of booking, if you look at the Field Guide availability tables, you can see that getting the cottages at 7 months is not nearly as hard as getting the "hard to get" studios at BWV (i.e., resort and boardwalk view) or the studios at BCV - it's not even a close call... That argument doesn't help those who want to go during seasons when the cottages are harder to get at 7 months, but for owners like us who are flexible and within driving distance, I couldn't justify buying Vero even though we do go there (not to mention that the cottages for us and a bucket list item that I'd definitely do once or twice, but I wouldn't do on a regular basis anyway - they're pricy and I have other bucket list items to try out!)

 

[airjay75]

I think there are subtle differences here - let's focus on BWV vs VB.

First you can say that, roughly speaking - after adding the annualized upfront cost + annual dues, that the cost of owning either VB or BWV is about the same at about $17/pt/year±$1. So there's an argument to be made that at the prevailing prices and dues, just go ahead and rent what you need from another owner, which you can do in many cases at maybe just 10%-15% more. The difference is minimal, especially if it's not always annual visits that always involve a lot of points.

But if we're talking buying for location and room types, and ease of booking, if you look at the Field Guide availability tables, you can see that getting the cottages at 7 months is not nearly as hard as getting the "hard to get" studios at BWV (i.e., resort and boardwalk view) or the studios at BCV - it's not even a close call... That argument doesn't help those who want to go during seasons when the cottages are harder to get at 7 months, but for owners like us who are flexible and within driving distance, I couldn't justify buying Vero even though we do go there (not to mention that the cottages for us and a bucket list item that I'd definitely do once or twice, but I wouldn't do on a regular basis anyway - they're pricy and I have other bucket list items to try out!)

That makes total sense. I think, another way of putting it is that there are more use cases for owning BWV/BCV than VB. Which also inherently makes BWV/BCV points more flexible than VB points, at least if you care about getting value out of those points.

Best I can tell, owning VB has exactly one use case, the beach cottages - and, if you live within driving distance and can just pick up the random dates that open up here or there, yeah, no way owning there makes sense. If you want them regularly and are interested in pre-planned dates like Thanksgiving, Christmas, Easter, there is an argument for owning.

 

[cruisehopeful]

It seems like the Vero Beach resort looks like a bad deal when it's compared to DVC as a whole. Since, in my mind, it's a totally different product than WDW resorts, it's more appropriate to look at the value against other beach resorts in the area with similar offerings (onsite restaurant, pool, beach equipment, etc). When you compare it to something comparable in the same area or close to the same area, you'll get a more realistic picture of the value.

I think we're all so used to seeing people purchase Vero as a cheap buy in for WDW with only planning on visiting Vero Beach once in a while, that it's hard to give the buy in and maintenance dues a fair assessment. The reality is that a vacation home on the beach is $$$$$$$$_

 

[airjay75]

The reality is that a vacation home on the beach is $$$$$$$$_

Yep. Exactly the point I made earlier. The cost of 1 week in a beach cottage even with VB points is not unreasonable at all, particularly given that you have all the resort amenities to go along with it.

 

[PolyRob]

I think there are subtle differences here - let's focus on BWV vs VB.

First you can say that, roughly speaking - after adding the annualized upfront cost + annual dues, that the cost of owning either VB or BWV is about the same at about $17/pt/year±$1. So there's an argument to be made that at the prevailing prices and dues, just go ahead and rent what you need from another owner, which you can do in many cases at maybe just 10%-15% more. The difference is minimal, especially if it's not always annual visits that always involve a lot of points.

But if we're talking buying for location and room types, and ease of booking, if you look at the Field Guide availability tables, you can see that getting the cottages at 7 months is not nearly as hard as getting the "hard to get" studios at BWV (i.e., resort and boardwalk view) or the studios at BCV - it's not even a close call... That argument doesn't help those who want to go during seasons when the cottages are harder to get at 7 months, but for owners like us who are flexible and within driving distance, I couldn't justify buying Vero even though we do go there (not to mention that the cottages for us and a bucket list item that I'd definitely do once or twice, but I wouldn't do on a regular basis anyway - they're pricy and I have other bucket list items to try out!)

Understandable, but I would say the BWV GV would be a better comparison for availability than a resort view or boardwalk view studio. It's the most expensive room which still needs home resort points at certain times of the year and there are only seven of them.

 

[VGCgroupie]

Understandable, but I would say the BWV GV would be a better comparison for availability than a resort view or boardwalk view studio. It's the most expensive room which still needs home resort points at certain times of the year and there are only seven of them.

I would counter that work BWV GV point chart is really great compared to alternative GV’s so that makes BWV a better deal when considering a 2042. With that said if you want beach cottages maybe VB is a decent deal. Maybe.

 

[airjay75]

I would counter that work BWV GV point chart is really great compared to alternative GV’s so that makes BWV a better deal when considering a 2042. With that said if you want beach cottages maybe it’s a decent deal. Maybe.

Assuming you need all home resort points for either the BWV GV or VB BC, not taking account of purchase price, current cost of both have the following ranges for a 1-week stay:

BWV GV: $5,377-$9,235
VB BC: $6,656-$11,570

So, yeah, those BWV GVs are definitely a pretty good bargain, I'd say.

As to whether the VB BCs are a good bargain? Well, here are a few 1-week oceanfront homes you can rent on Airbnb this summer near VB:
https://www.airbnb.com/rooms/153479...earch_id=8d5bb1a8-7be0-4670-9a0b-d672db7a2ecd
https://www.airbnb.com/rooms/110281...earch_id=538110dc-b596-4a84-9ec1-a5b07a5b4732
https://www.airbnb.com/rooms/781111...61-fd9c61c80a9a&guests=1&check_out=2026-06-21

The cost? With taxes, range from almost $6k to just over $12k. And that's in the summer when a week in a VB BC costs 541 points or about $8k. I suppose, for some, the location of a rental home like this at a resort like VB is a plus, for others a minus. I think I'd decidedly put it in the plus category - more things for the family to do and more Disney magic.

So, I definitely don't think the VB BCs are a slam dunk. Personally, if I end up doing this, I think my strategy is going to get a certain amount of VB points and when I book the cottage with home resort priority, I will probably be strategic about trying to sub in my CCV or RIV points for as many nights as I can to get that price down even further. But, gotta decide how many VB points would be enough to make that strategy work.

 

[VGCgroupie]

Assuming you need all home resort points for either the BWV GV or VB BC, not taking account of purchase price, current cost of both have the following ranges for a 1-week stay:

BWV GV: $5,377-$9,235
VB BC: $6,656-$11,570

So, yeah, those BWV GVs are definitely a pretty good bargain, I'd say.

As to whether the VB BCs are a good bargain? Well, here are a few 1-week oceanfront homes you can rent on Airbnb this summer near VB:
https://www.airbnb.com/rooms/1534793994620258837?check_in=2026-06-14&check_out=2026-06-21&location=Vero Beach, FL&search_mode=regular_search&source_impression_id=p3_1776040965_P3fNF0rS2h3rjiym&previous_page_section_name=1001&federated_search_id=8d5bb1a8-7be0-4670-9a0b-d672db7a2ecd
https://www.airbnb.com/rooms/1102812876937622177?check_in=2026-06-01&check_out=2026-06-08&location=Vero Beach, FL&search_mode=regular_search&adults=1&children=0&infants=0&pets=0&source_impression_id=p3_1776041239_P3rO7U0U7I62M4lG&previous_page_section_name=1001&federated_search_id=538110dc-b596-4a84-9ec1-a5b07a5b4732
https://www.airbnb.com/rooms/781111269066166757?check_in=2026-06-14&location=Vero Beach, FL&search_mode=regular_search&adults=1&source_impression_id=p3_1776041289_P3be_7LYxjdZtkZw&previous_page_section_name=1001&federated_search_id=4e2f7c1f-bfb0-4130-ad61-fd9c61c80a9a&guests=1&check_out=2026-06-21

The cost? With taxes, range from almost $6k to just over $12k. And that's in the summer when a week in a VB BC costs 541 points or about $8k. I suppose, for some, the location of a rental home like this at a resort like VB is a plus, for others a minus. I think I'd decidedly put it in the plus category - more things for the family to do and more Disney magic.

So, I definitely don't think the VB BCs are a slam dunk. Personally, if I end up doing this, I think my strategy is going to get a certain amount of VB points and when I book the cottage with home resort priority, I will probably be strategic about trying to sub in my CCV or RIV points for as many nights as I can to get that price down even further. But, gotta decide how many VB points would be enough to make that strategy work.

I think the biggest question (for me) would be would I be renting an air bnb in VB otherwise?

 

[airjay75]

I think the biggest question (for me) would be would I be renting an air bnb in VB otherwise?

Agreed. And, for me, the answer is, probably not. But, the prospect of returning to VB every 2-3 years to stay in that beach cottage, possibly with the option to invite friends and family? It is enticing to me. That said, if I'm ok foregoing the beach cottage and just doing 1 or 2 BRs, then this would be silly.

TBH, what this is probably going to come down to for me is whether I can score a good "deal" on a VB contract. If I can, I'll probably go for it and try it out for at least a few years. If not, I might keep throwing out some offers, but just be happy with some return stays in 1 or 2 BRs.

 

[DanCali]

The cost? With taxes, range from almost $6k to just over $12k. And that's in the summer when a week in a VB BC costs 541 points or about $8k.

One other way to look at it is that those 541 points have a rental value of about $11K-$12K, which makes it look much pricier. Not looking to get into "commercial use" discussions etc - just making a point about "opportunity cost" assuming that rental is a valid usage option if you don't stay at your home resort.

In other words, rent your points for $12K, pay taxes on your profit, and rent that airbnb beach home for $6K - you still come out ahead quite a bit. Nothing stopping you from going to the VB character breakfast on Saturday

 

[AstroBlasters]

I think there are subtle differences here - let's focus on BWV vs VB.

First you can say that, roughly speaking - after adding the annualized upfront cost + annual dues, that the cost of owning either VB or BWV is about the same at about $17/pt/year±$1. So there's an argument to be made that at the prevailing prices and dues, just go ahead and rent what you need from another owner, which you can do in many cases at maybe just 10%-15% more. The difference is minimal, especially if it's not always annual visits that always involve a lot of points.

But if we're talking buying for location and room types, and ease of booking, if you look at the Field Guide availability tables, you can see that getting the cottages at 7 months is not nearly as hard as getting the "hard to get" studios at BWV (i.e., resort and boardwalk view) or the studios at BCV - it's not even a close call... That argument doesn't help those who want to go during seasons when the cottages are harder to get at 7 months, but for owners like us who are flexible and within driving distance, I couldn't justify buying Vero even though we do go there (not to mention that the cottages for us and a bucket list item that I'd definitely do once or twice, but I wouldn't do on a regular basis anyway - they're pricy and I have other bucket list items to try out!)

I wish the field guide was for 11m and 7m + a day to show how quickly some of those rooms go…

 

[airjay75]

One other way to look at it is that those 541 points have a rental value of about $11K-$12K, which makes it look much pricier. Not looking to get into "commercial use" discussions etc - just making a point about "opportunity cost" assuming that rental is a valid usage option if you don't stay at your home resort.

In other words, rent your points for $12K, pay taxes on your profit, and rent that airbnb beach home for $6K - you still come out ahead quite a bit. Nothing stopping you from going to the VB character breakfast on Saturday

A fair way to look at the opportunity cost here. And, to add, the thought has crossed my mind that VB points, if I decided to forego using them as planned, would be more difficult to rent out at premium, at least using a broker. Would probably have to rent them out myself to get $20 or more per point which also makes them less flexible than points elsewhere. But, still, if I had VB points I didn't need to use, it is still possible to rent them out without taking a loss . . . for now. Clearly the resort with the most potential to invert that equation.

 

[DonkeyHoTay]

If not, I might keep throwing out some offers, but just be happy with some return stays in 1 or 2 BRs.

The 2BR villas at VB are very spacious too (reminds me OKW layout), and some have good eastern views of the ocean from higher floors. I have yet to stay in an ocean view Inn room - I bet that's nice too. The whole resort is really a lovely spot for a down tempo beach holiday.

But, I would sooner buy cheap SAP contract points at a longer expiration resort (probably SSR is still the best option) and book VB at 7 months all the way to 2042, than buy VB contracts now and eat those dues. If I'm able to snag the 3 bdrm beach cottage now and then using SAP, so can you!

 

[airjay75]

The 2BR villas at VB are very spacious too (reminds me OKW layout), and some have good eastern views of the ocean from higher floors. I have yet to stay in an ocean view Inn room - I bet that's nice too. The whole resort is really a lovely spot for a down tempo beach holiday.

But, I would sooner buy cheap SAP contract points at a longer expiration resort (probably SSR is still the best option) and book VB at 7 months all the way to 2042, than buy VB contracts now and eat those dues. If I'm able to snag the 3 bdrm beach cottage now and then using SAP, so can you!

I think this is the conclusion I have come to. The VB dues are just too high. Better to buy SSR and use those at VB than buying the cheaper VB points and paying those high dues year after year.

 

[DonkeyHoTay]

I think this is the conclusion I have come to. The VB dues are just too high. Better to buy SSR and use those at VB than buying the cheaper VB points and paying those high dues year after year.

On the other hand, I see VB contracts for absurd prices (mid $30s per point for a stripped contract! Wow!), so I can understand why you would think twice!