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Timeshare Value

Having a place to stay at your favorite getaway location might be a worthwhile investment. Timeshare brokers often claim they can turn these dreams into reality. Yet, many critics question if these vacation properties are worth it.

Let's recap what a timeshare is. It’s a form of vacation ownership often at the behest of a resort property. What sets it apart in the industry is the utilization of fractional ownership. A timeshare unit is shared amongst many parties who’ve purchased the right to use it for a specified time, often one or two weeks a year. Rather than being the sole owner, a timeshare delivers a fraction. At least that’s what they imply.

How Much Is My Timeshare Worth?

Despite often being marketed as an affordable route to buying a vacation home, many timeshare owners feel indifferent toward the value of their purchase. More often than not, every owner asks the same question: is my timeshare valuable?

Whether inquiring about reselling or just curious about the financial aspects, it’s understandable. Alas, many owners are not impressed. These vacation units are insignificant once purchased. Still, some facets of a timeshare can increase its resale value.

How to Determine a Timeshare's Fair Market Value?

The resale market for timeshares is complicated. Supply and demand vary based on several aspects, so it's essential to know your timeshare's worth in today's climate. A great deal of information about the resort is worth considering when assessing a timeshare's fair market value. Finding the appropriate resources and research is necessary to estimate a competitive timeshare in the secondary market.

Factors That Determine a Timeshare’s Value

  • Ownership Type: Did you sign a deeded or right-to-use agreement? Deeded timeshares include property ownership, while RTU timeshares are leased.
  • Ownership Sub-Type: Is the timeshare on a fixed week, floating week, or point-based? Also, is it on an annual or biennial basis?
  • Season of Ownership: High-demand seasons hold a higher market value. Consider the value given by an affiliated exchange program.
  • Unit Size and Type: Is the timeshare a studio, one-bedroom, or larger? What is the square footage?
  • Location of Resort and Unit: Where is the resort, and is it popular? What about the unit? Is it in a prime location, such as a beachfront view?
  • The Resort's Brand Affiliations: Is the resort a part of a major hospitality brand or an independent resort? What amenities does the resort offer?

Research What Other Timeshare Resellers Ask For

Once realizing the above questions, an accurate listing can be developed. Next is to examine what owners of comparable timeshares list to give an idea of the competition. This research will ensure the listing is competitive and reasonable. Compare the same type, week, season, size, location, etc. Details can make or break the resale value of a timeshare.

Are Timeshares Worth It?

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When buying real estate, many view it as an investment. However, the value of timeshares is unpredictable. Whether a timeshare is worth it or not will result from personal preference, but here are a few pros and cons:

The Benefits of Timeshares

  1. Less Vacation Planning: A timeshare can deliver a routine vacation experience that you have already prepaid and pre-planned.
  2. The Resort Staff Handles the Maintenance: The resort performs maintenance such as repairs and improvements. Although there are annual dues, not being responsible for maintenance can be a perk.
  3. Less Expensive Than a Vacation Home: According to the American Resort Development Association (ARDA), the average price of a timeshare interval is $22,942. That’s less than buying a vacation home to be responsible for by yourself. 

The Downside of Timeshares

  1. Risk of Getting Misled into Purchasing Something Unaffordable: Timeshare vendors have a grim reputation. They often push for sales at ridiculous prices without disclosing what the purchase entails. False promises, skewed calculations, and intimidation tactics are the norm in a timeshare presentation.
  2. High-Interest Financing & Annual Maintenance Fees Make It Expensive: Mortgage lenders shun timeshares. That leaves buyers with little recourse but to finance with the timeshare company, which isn’t borrower-friendly. There are additional costs to account for, like maintenance fees, which ARDA claims can cost $1,000 every year.
  3. A Timeshare's Value Will Not Appreciate and Is Difficult to Resell: No matter what the resort salespeople say, timeshares don’t increase in value or even retain their value. Attempting to resell a timeshare in the secondary market can be challenging as it means competing with thousands of owners who practically give their timeshares away.


Owning a timeshare can get risky and expensive. More times than not, the pitfalls of having little investment value far outweigh the upside. Alas, that is not always easy. Timeshare companies often make buyers feel entrapped because the longer you remain an owner, the longer the resort can profit. Yet, while exiting a timeshare agreement can be difficult, it's not impossible.

For years, owners have been in this predicament. Cue the emergence of the timeshare exit industry, where cancellation companies have lent a helping hand. One company at the forefront is Wesley Financial Group, LLC ("WFG").*  If a resort misled you about the value of owning a timeshare, consider contacting WFG to learn more about their services.

*Wesley Financial Group, LLC, and its affiliates, successors, or assigns are not lawyers or a law firm and do not engage in the practice of law or provide legal advice or legal representation. All information, software, services, and comments provided on this site are for informational and self-help purposes only and not intended to substitute for professional advice, legal or otherwise.

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