The offer
12 major developers. Pick yours to autofill price and fees — you can override below.
Industry average per ARDA 2025 is $23,160. Brand averages range $15k–$45k.
Avg per Ernst & Young 2025. Escalates ~5% per year, baked into the math.
Most owners keep 15-25 years before resale or default.
Fill in the offer — we'll show what ownership actually costs vs. booking the same trip every year.
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How we got these numbers
Average purchase price ($23,160), financing rate (~17%), and ownership length come from the American Resort Development Association's 2025 State of the Industry report. Annual maintenance ($1,480) and ~5% escalation come from Ernst & Young's 2025 timeshare study. Resale recovery (~10%) reflects RedWeek and Timeshare Users Group resale data — most timeshares sell for pennies on the dollar. Opportunity cost uses 7% (S&P 500 long-term average).
Timeshare Math — Common Questions
Is buying a timeshare worth it?
For most buyers, no. The average timeshare purchase price is $23,160, maintenance fees average $1,480 per year and escalate ~5% annually, and resale values are near zero. The calculator compares your total lifetime ownership cost against booking the equivalent hotel or rental each year — the math almost always favors renting.
Can you get out of a timeshare?
Yes, but it is difficult and often costly. Options include selling on the resale market (typically for pennies on the dollar), deed-back programs offered by some resorts, or working with a licensed timeshare exit attorney. Be wary of exit companies charging large upfront fees without guarantees.
What are timeshare maintenance fees?
Timeshare maintenance fees average $1,480 per year in 2026 (ARDA data) and typically increase 5% annually. Over a 20-year ownership period, maintenance fees alone can exceed $48,000 — often more than the original purchase price, on top of any mortgage payments.
Is it cheaper to rent a timeshare than buy one?
Almost always yes. Platforms like RedWeek and Timeshare Users Group list the same units at a fraction of what ownership costs when you factor in purchase price, interest, and maintenance fees. Renting also gives you flexibility to try different destinations each year.