AUGUST 16 2023

Are Timeshares a Good Investment?

When it comes to investing, the concept of timeshares often raises eyebrows. Many critics argue that timeshares are a financial burden, but there are many unique advantages timeshares can offer savvy investors. 

Let's debunk common misconceptions about timeshares and find out what owners say about their investments, so you can decide if timeshares are a good investment for you.

Is It Smart To Invest In A Timeshare?

Investing in a timeshare ensures yearly vacations and provides access to high-end amenities that may be unaffordable when booking a hotel or resort. Whether or not it's a wise financial investment depends on multiple factors, including your finances, vacation preferences, and the location you purchase your timeshare.

The Financial Benefits Of Investing In Timeshare

Extended Family Fun

Verne T. has been an RCI member since 2000. He and his wife took their inlaws and 3-year-old nephew on a spring vacation to Riviera Maya, Mexico. "It was truly a beautiful experience for our whole family!"

1. Affordable Access to Luxury

One of the most attractive aspects of timeshares is the opportunity to enjoy luxury accommodations without the hefty price tag associated with owning a vacation property outright. Owning a timeshare grants you access to high-end resorts, exclusive amenities, and desirable locations, all for a fraction of the cost it would take to purchase a vacation home.

2. Predictable Vacation Costs

Where traditional vacation accommodations can fluctuate in cost, timeshares offer predictability. By purchasing a timeshare, you lock in your vacation costs for the duration of your ownership, protecting yourself from inflation and market fluctuations. This predictability in price can be especially beneficial for budget-conscious individuals who wish to plan their vacations with certainty.

3. Potential Rental Income

While the primary intention of a timeshare is personal use, some owners choose to rent out their weeks or points during periods when they cannot travel. By doing so, they generate rental income to help offset maintenance fees and other costs associated with ownership. This additional revenue stream adds a layer of financial benefit to owning a timeshare.

4. Value Appreciation

Timeshares can appreciate over time, especially if you buy in popular vacation destinations or as demand increases. Investing in a desirable property can allow you to potentially sell your timeshare for a higher value in the future. However, it is essential to acknowledge that appreciation is not guaranteed.

Are Timeshares Worth It Anymore?

Timeshares have been a popular vacation option for decades, allowing individuals to own a share of a vacation property and enjoy consistent getaways. However, as the travel industry has evolved, the question arises: Are timeshares still worth it? For many owners, the benefits of timeshare make it an excellent investment for them and their families.

Consistent Vacation Experiences

One of the primary advantages of timeshares is the guarantee of consistent vacation experiences. By having access to the same unit or timeslot each year, you can minimize the stress of planning and searching for accommodations. And by booking your vacations with a company you trust, you'll know what to expect regarding accommodations and service. This stability allows you to create cherished memories with your loved ones and build a deep connection with the destination over time.


The introduction of points-based timeshares has revolutionized the vacation ownership industry. With a points-based timeshare, owners receive a specific number of points annually, redeemed for vacation stays at various resorts within the timeshare network. This versatility allows owners to choose where, when, and how long they want to vacation. 

Many points-based timeshares also allow owners to bank unused points from one year to the next or borrow points from the following year. This feature grants owners greater control over their vacation planning, ensuring no points go to waste.

Exchange Programs

Timeshare ownership doesn't necessarily mean visiting the same location year after year. Many timeshare companies offer exchange programs, allowing you to swap your timeshare for another property within their network. This flexibility opens the door to exploring different destinations, providing variety and excitement while benefiting from the advantages of vacation ownership.

Community And Networking

Timeshares often create a sense of community among owners with similar vacation interests. Being part of a timeshare community offers networking opportunities to meet fellow travelers, exchange tips and recommendations, and develop lasting friendships. This social aspect adds depth and enjoyment to your vacations, fostering a sense of belonging and shared experiences.

Improved Health And Well-Being

A timeshare provides a designated vacation spot, allowing you to escape from the demands of daily life and enjoy quality leisure time. Regular vacations have proven to help reduce stress levels, improve mood, and enhance overall mental health. Spending time in a familiar and relaxing environment, away from the usual stresses, can promote a sense of tranquility and rejuvenation.

Timeshares also offer an excellent opportunity for quality time with family and friends. Sharing vacations with loved ones can strengthen relationships and create lasting memories, which can have a positive impact on your emotional well-being.

While the vacation industry evolves, timeshares remain valuable for those seeking reliable and cost-effective vacation ownership. With consistent vacation experiences, flexibility, exchange programs, and more, timeshares provide a unique and worthwhile investment opportunity. But how much can you expect to pay for a timeshare, and what is the average payment?

What is the Average Timeshare Payment?

According to Quicken Loans, timeshares typically cost around $20,000, while Bankrate reports that the average timeshare costs $24,140. You should also expect to pay roughly $1000 yearly on maintenance fees. 

When you tour a specific timeshare property, you will learn more about the resort's costs, maintenance fees, and interest rates. Consider the benefits of a timeshare and your financial situation to decide if a timeshare is a good investment for you. For many owners, the benefits outweigh the financial responsibility.

What Do Owners Have To Say About Their Timeshare Investment?

While unhappy timeshare owners are often the loudest, you can find a lot of happy testimonials from owners on timeshare websites and across social media. Take a look at what owners are saying about their timeshares.

Year-After-Year Adventure

Club Wyndham owners Kelly and Todd Atkinson say that their Oceanside, California timeshare is a place of family legends year after adventure-packed year. They've been owners since 2008 and say, "The memories we're making now will last a lifetime for our children."

Memories Across the Country

WorldMark owner Mary R. shares how her timeshare has inspired many memorable vacations. "Had it not been for WorldMark, my family, friends, and I would not have taken many of our trips. We enjoy spring break on the Oregon Coast, have taken trips to Hawaii when we want warmer water to play in, and even a trip to Mexico, Canada, and many others within the United States."

Extended Family Fun

Verne T. has been an RCI member since 2000. He and his wife took their inlaws and 3-year-old nephew on a spring vacation to Riviera Maya, Mexico. "It was truly a beautiful experience for our whole family!"

A Tradition of Timeshare

Many owners share their timeshare experience on social media using the hashtag #lovemytimeshare. Sabrina H. shares, "First real family vacation... We also bought our first timeshare and look forward to coming back every year and watching our family pictures and how much it will change every year as the kiddos get older."

Owner testimonials like the above suggest that timeshares are a great way to create cherished memories with family and friends, year after year. The benefits of timeshares prove they are much more than a good investment. We've looked at how timeshares offer flexible usage options and exchange programs. Here are a few more reasons timeshares make a significant investment, some of which may surprise you!

More Benefits Of Investing In Timeshare

1. Consistent Maintenance and Upkeep

Timeshare properties typically have professionals responsible for the upkeep of the resort, relieving owners of the burden of property maintenance. While owners share in the maintenance cost with annual fees, they can rest assured that those fees will ensure the property is well-maintained and in good condition each time they visit.

2. Access to Resort Amenities

Timeshare resorts often feature many amenities and facilities, such as pools, spas, fitness centers, golf courses, and restaurants. As an owner, you can access these on-site amenities, enhancing the overall vacation experience and allowing you to indulge in various recreational activities without additional costs.

3. Legacy and Heritage

Owning a timeshare creates a legacy for your family and loved ones. You can pass down the ownership to future generations, providing them with cherished vacation memories and the opportunity to continue enjoying the benefits of the timeshare.

4. Exclusive Member Perks

Timeshare ownership often comes with exclusive member benefits such as discounted travel packages, priority bookings, and access to special events and promotions. These perks can enhance your vacation experience and provide additional value.

Remember, the perks you get through your timeshare can vary, so be sure to thoroughly research and consider the features that align with your vacation preferences and long-term goals to determine if it is smart to invest in a timeshare.

The surprising answer to "Are timeshares a good investment" can also lie in where you purchase your timeshare. Here are some of the best places to invest in a timeshare.

Top 5 Places to Invest in a Timeshare in the U.S.

1. Orlando, Florida

Orlando, Florida, offers an unparalleled experience for thrill-seekers, nature lovers, and families. The city is famously known as the "Theme Park Capital of the World," as it's home to theme parks, including Walt Disney World Resort, Universal Orlando Resort, and SeaWorld Orlando. Visitors of all ages can enjoy the variety of rides, shows, and entertainment across the different parks.

Orlando boasts a diverse range of outdoor activities and natural wonders. Beautiful lakes surround the city, and some of Florida's top beaches are a quick drive away on either coast. Visitors can enjoy water sports, fishing, or relaxing under the warm sun.

2. Oahu, Hawaii

Oahu provides a captivating vacation experience with its breathtaking landscapes, pristine beaches, and vibrant culture. From the world-famous Waikiki Beach with its white sands and crystal-clear waters to the island's lush rainforests and cascading waterfalls, Oahu provides a diverse range of natural wonders to explore. 

Oahu is a paradise for outdoor enthusiasts, providing ample surfing, snorkeling, hiking, and whale-watching opportunities. Whether you're a beginner or an experienced adventurer, there's something for everyone, with surf breaks catering to all skill levels and hiking trails leading to stunning vistas of the island's coastline.

3. Anaheim, California

Vacationing in Anaheim, California, offers a delightful blend of thrilling attractions, sunny weather, and family-friendly entertainment. The city is home to the world-renowned Disneyland Resort, where kids and adults can immerse themselves in theme park magic. Additionally, Anaheim boasts an array of other theme parks and attractions, including Knott's Berry Farm and Adventure City.

Beyond the theme parks, Anaheim is situated in the heart of Orange County, providing easy access to famous beaches such as Laguna, Huntington, and Newport Beach. 

4. Las Vegas, Nevada

Las Vegas, Nevada, offers an electrifying and unforgettable experience that combines world-class entertainment, vibrant nightlife, and luxurious resorts. Known as the "Entertainment Capital of the World," Las Vegas is home to iconic casinos, dazzling stage shows, and an array of acclaimed performers, making it a paradise for entertainment enthusiasts.

Vegas is a great spot for foodies, with plenty of celebrity chef restaurants, buffets, and diverse international cuisine options to discover. Food lovers can indulge in gourmet dining experiences or explore the annual festivals and events. And outside the famous Las Vegas Strip, visitors can explore the stunning natural wonders of the nearby Red Rock Canyon, take a helicopter tour of the Grand Canyon, or enjoy outdoor recreational activities like hiking and golfing.

5. Myrtle Beach, South Carolina

Myrtle Beach, South Carolina, is the perfect blend of sun, sand, and family-friendly attractions. The city is renowned for its wide beaches stretching miles along the beautiful Atlantic coastline. Visitors can relax under the warm sun, take a refreshing swim in the ocean, or enjoy water sports like jet skiing, parasailing, and paddleboarding.

The famous Myrtle Beach Boardwalk offers a lively atmosphere with arcades, shops, and delicious seaside cuisine. For golf enthusiasts, Myrtle Beach is a golfer's paradise, with over 100 championship golf courses. The city's golf courses are known for their stunning views, well-maintained greens, and challenging layouts, making it a popular destination for golfers of all skill levels.

What to Consider When Choosing a Timeshare

Destination Appeal

Consider popular vacation destinations with a strong track record of attracting visitors. Look for places with diverse attractions, such as beaches, mountains, cultural sites, or theme parks, to appeal to a wide range of vacationers.

Rental Demand and Occupancy Rates

Research the rental demand and occupancy rates in the chosen location. Look for areas with a consistent and high demand for vacation rentals, as this will increase the likelihood of maximizing your investment.

Maintenance and Management

Evaluate the reputation and quality of the timeshare management company or resort. A well-maintained property with excellent management services will ensure a pleasant experience for both owners and renters and can positively impact the value and desirability of your investment.

Long-Term Growth Potential

Consider the long-term growth potential of the destination. Be sure to research tourism, infrastructure development, and economic trends to gauge the likelihood of sustained demand and potential appreciation in the value of your timeshare.

Personal Preferences and Usage

Take into account your preferences and intended usage. Consider whether the destination aligns with your vacation style, interests, and accessibility. If you plan to use the timeshare frequently, ensure it's a place you genuinely enjoy visiting.

Legal and Financial Considerations

Familiarize yourself with timeshare ownership's legal and financial aspects in the chosen location. Review the contract, fees, ownership rights, and any potential restrictions to ensure you fully understand the terms and conditions.

Ultimately, thorough research, due diligence, and consideration of your preferences will guide you in choosing the best place to invest in a timeshare that aligns with your vacation goals and financial objectives. 

For nearly 10 million U.S. households, timeshare proves to be a worthwhile investment. And after considering the benefits, you may decide it's worthwhile for you, too. Timeshare provides consistent vacations and sought-after destination options, making it a smart choice for travelers invested in making vacations essential in their lives.

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