Maintenance Fee & Mortgage Calculator

Timeshare maintenance fees are annual charges that every owner must pay, regardless of whether they use their timeshare that year. These fees cover the resort's operating costs, including property upkeep, landscaping, utilities, insurance, property taxes, and staff salaries. According to the American Resort Development Association (ARDA), the average annual maintenance fee in the United States exceeded $1,120 in 2024, and that figure continues to rise each year.

Why Do Maintenance Fees Keep Increasing?

Most timeshare contracts include language that allows the resort to raise maintenance fees annually. These increases typically range from 5% to 8% per year, significantly outpacing inflation. Over a 10-year period, a $1,000 annual fee growing at 6% per year will cost you a cumulative total of over $13,000. Over 20 years, that same fee balloons to more than $36,000 in total payments. The calculator above helps you visualize this exact scenario with your own numbers.

Special Assessments: The Hidden Surprise

Beyond regular maintenance fees, resorts can levy special assessments for major repairs, hurricane damage, renovations, or capital improvements. These one-time charges can range from a few hundred dollars to several thousand, and owners have no ability to vote against or opt out of them. Special assessments are particularly common at older resorts where infrastructure is aging and requires significant investment.

What Happens If You Stop Paying?

Failing to pay maintenance fees can have serious consequences. The resort may report the delinquency to credit bureaus, damaging your credit score. They can also send the debt to collections, add late fees and interest, or even initiate foreclosure proceedings on your timeshare interest. This is why many owners seek a legal exit strategy rather than simply walking away. Our timeshare exit services provide a legitimate path to end these obligations permanently.