Average Timeshare Maintenance Fees by Resort in 2026

One of the first questions timeshare owners ask when they start feeling the financial pinch is simple: "Am I paying more than everyone else?" It is a fair question, and the answer might surprise you. Maintenance fees vary dramatically depending on your resort brand, location, unit size, and the age of the property.

We have compiled the latest data on average timeshare maintenance fees across the most popular resort brands to give you a clear picture of where things stand in 2026, and more importantly, how to calculate what your timeshare is actually costing you each year.

The National Average

Before we dive into brand-specific numbers, let us establish a baseline. According to industry data from the American Resort Development Association (ARDA) and owner-reported figures, the national average timeshare maintenance fee in 2026 is approximately $1,120 to $1,200 per year for a one-week ownership interval. That represents a significant increase from the roughly $980 average reported just five years ago.

However, averages can be misleading. Plenty of owners pay well under $700 per year, while others face annual bills exceeding $2,500 or more. Your specific fee depends on several factors that we will break down below.

Average Fees by Major Resort Brand

Here is how the major timeshare brands compare when it comes to annual maintenance fees. These figures represent approximate averages based on owner-reported data and publicly available HOA budgets. Your individual fees may be higher or lower depending on your specific property and unit type.

Resort Brand	Avg. Annual Fee	Typical Range
Wyndham (Club Wyndham)	$950 - $1,100	$700 - $1,500
Marriott Vacations	$1,200 - $1,600	$900 - $2,200
Hilton Grand Vacations	$1,100 - $1,500	$800 - $2,000
Diamond Resorts (HGV)	$1,000 - $1,400	$750 - $1,800
Westgate Resorts	$900 - $1,200	$650 - $1,600
Bluegreen Vacations	$850 - $1,100	$600 - $1,400
Holiday Inn Club	$900 - $1,100	$650 - $1,400

What Drives the Differences Between Brands?

Location Matters More Than Brand

A Marriott timeshare in rural Missouri will typically have lower maintenance fees than a Wyndham property on the beach in Maui. Premium vacation destinations, particularly Hawaii, coastal Florida, and ski resort towns, carry higher property taxes, insurance premiums, and operating costs, all of which translate directly into higher fees for owners.

Unit Size and Season

A studio unit will generally carry lower fees than a two-bedroom suite. Similarly, owners with prime-season (red week) ownership may pay more than those with off-season intervals, because the HOA budget often allocates costs proportionally based on the assessed value of each interval.

Resort Age and Condition

Newer resorts tend to have lower maintenance fees initially because the property requires less upkeep. However, older resorts that have been well maintained can sometimes have more predictable fee structures because their reserve funds have had time to accumulate. The worst-case scenario is an aging resort with an underfunded reserve, which is why some properties see sudden, dramatic fee increases or special assessments.

Management Efficiency

Some management companies are simply more efficient or transparent than others. Properties with active, engaged HOA boards tend to keep costs more reasonable because there is genuine oversight of how money is spent. Properties where the developer still controls the HOA board may see higher management fees and less accountability.

Calculating Your True Annual Cost

Your maintenance fee is only one piece of the puzzle. To understand what your timeshare truly costs each year, you need to account for all the associated expenses:

• Annual maintenance fee: The baseline cost everyone focuses on.
• Special assessments: One-time fees for major repairs or emergencies. These are unpredictable and can range from a few hundred to several thousand dollars. Learn more about special assessment fees.
• Exchange fees: If you use RCI, Interval International, or another exchange network to swap your week, expect to pay $200 to $300 per exchange.
• Booking or reservation fees: Some points-based systems charge fees every time you make a reservation, even at your home resort.
• Club membership dues: Brands like Club Wyndham and Hilton Grand Vacations often charge separate annual membership or program fees on top of maintenance fees.
• Loan payments: If you financed your timeshare purchase, your monthly loan payment with interest is a major cost that should be factored in.
• Travel costs: Getting to and from your resort, including flights, rental cars, and meals, are real expenses that add to your total vacation cost.

When you add all of these together, the true cost of a timeshare vacation is often significantly higher than most owners realize.

Fee Trends: Where Are Things Headed?

The trajectory is not encouraging for owners hoping fees will stabilize. Several factors are driving maintenance fees higher across the industry:

• Insurance costs are surging, particularly in Florida, the Caribbean, and other areas prone to hurricanes and flooding. Some resorts have seen insurance premiums double or triple in the past five years.
• Labor costs continue to rise, especially in hospitality-dependent regions where competition for workers remains intense.
• Owner default rates remain elevated, which means the costs of running a resort are spread across fewer paying owners.
• Aging resort inventory means more properties are hitting the point where major capital expenditures become unavoidable.

Industry analysts expect average maintenance fees to continue rising at 4% to 7% annually for the foreseeable future. That rate of increase consistently outpaces general inflation, and the reasons are structural, not temporary.

How Do Your Fees Compare to Just Booking a Hotel?

This is the question that keeps many timeshare owners up at night. If you are paying $1,200 in annual maintenance fees for a one-week stay, that works out to roughly $171 per night. Add in exchange fees, travel costs, and any loan payments, and the per-night cost can easily exceed $250 or more.

For that same amount, you could book a quality hotel room in many vacation destinations with the added flexibility of choosing where and when you travel. We break down the complete cost comparison in our timeshare versus hotel cost analysis.

What to Do If Your Fees Feel Unmanageable

If you have been comparing your fees to these averages and feeling a knot in your stomach, know that you are not alone and you are not stuck. Here are some practical steps:

1. Request a full breakdown of your maintenance fee from the HOA or management company. You have a right to know exactly where your money is going.
2. Check your resort's reserve fund status. An underfunded reserve is a red flag for potential special assessments down the road.
3. Talk to other owners. Online forums and owner groups can provide valuable insight into whether your resort's management is transparent and accountable.
4. Evaluate your exit options carefully. If ownership no longer makes financial sense, explore legitimate ways to exit. Be wary of scams targeting frustrated owners and research any company thoroughly before engaging their services.

Understanding where your fees fall relative to the broader market is an important step in making informed decisions. Whether you decide to hold onto your timeshare or explore other options, having the numbers in front of you puts you in a position of strength.