You Own a Timeshare. Can You Rent It as a Vacation Home?

Updated October 19, 2026

Part of our series Let Others Pay for Your Vacation Home.

Often, yes. But a timeshare isn't a house you control. Your resort or club writes the rules, and most of them allow an occasional rental while banning anything that looks like a business. Many owners also find that rent covers some or all of the yearly maintenance fee, but rarely much more.

General information only, not legal or tax advice. Rules differ by resort, contract and year of purchase. Your own contract, club rules and owner portal always win over this guide. We quote official owner documents where we could find them, and mark anything we couldn't confirm with a Note.

First, know what you own

Deeded vs. right-to-use - Deeded: you own a real-estate interest (a fraction of a unit, or a week) recorded with a deed. It usually has no end date, and you pay property-related fees and taxes through the association. - Right-to-use: you have a contract or membership to use the resort for a set number of years, without owning real estate. The contract may limit transfers and rentals more tightly.

Fixed week, floating week or points - Fixed week: the same unit and week every year (for example, Week 27). This is the easiest kind to rent, because you know your dates a year ahead. - Floating week: you reserve a week within a season, first come, first served. You can't advertise firm dates until the booking is confirmed. - Points: you get points each year and spend them on stays across a network of resorts. Points give you flexibility, and they are where clubs most often draw the line on renting.

Why this matters: several clubs treat your home week (the week you deeded or own at your home resort) differently from reservations made with club points. Check which one you're renting before you list it.

What the big companies' rules say

Every company below bans commercial use. None publishes a fixed number of rentals that counts as "commercial." Each keeps the discretion to decide.

Marriott Vacation Club

Club Points reservations "may not be used for any commercial purpose, including any pattern of occupancy, rental leasing, or use" that Marriott "in its reasonable discretion, could conclude constitutes a commercial enterprise or practice" (Marriott Vacation Clubs owner page).
Note: owners report that Marriott now asks you to confirm each booking is for personal use, and that a guest form on the owner site is used when you won't be staying. We saw these reports on owner forums, not in an official Marriott document. Owners also report that Interval International exchanges can't be rented. Check your owner portal.

Hilton Grand Vacations (HGV Club)

HGV Club rules say club accommodations are for members, immediate family and "guests personally known and acquainted with Members." Using a confirmed reservation "for any rental, resale or other commercial use (other than an owner's Home Week)," including through guest certificates, "is strictly prohibited" (HGV Club Disclosure Statement, April 2023).
So renting your Home Week is the exception. Renting a reservation booked with ClubPoints is not allowed.
Guests who check in without the member need a Guest Certificate, requested at least 48 hours before check-in. Guests need a government photo ID and a major credit card. Guest certificates can't be used "for commercial purposes, monetary or other consideration" (same document).
Home Week guest certificates are free. Other reservation types have a fee (HGV transaction fees).
Violations can lead to cancellation without refund, suspended booking privileges and guests refused at check-in.

Club Wyndham

Club Wyndham's travel terms say club transactions "may not be used for any commercial purpose, sold, bartered, or exchanged," and violations can end a membership without refund (Club Wyndham Travel terms).
A Guest Confirmation is required for any reservation you won't personally check into. Owners get 2 to 15 free each calendar year, depending on VIP level. Extra ones cost $99 online or $129 by phone, they're nonrefundable, and changing the name needs a new one. Guests must be 21 or older with a valid ID (Club Wyndham Guest Confirmations).
During owner-priority periods (peak holidays), every owner is limited to two guest reservations per calendar year (Club Wyndham owner-priority article).
Note: the U.S. owner terms we could open don't say outright whether occasional paid guests are allowed. Wyndham's South Pacific and Asia clubs do say owners may charge guests for points reservations, but those are different clubs. Ask Club Wyndham before you rent.

Disney Vacation Club

DVC's online booking terms say reservations are "solely for personal use and not for commercial purposes." Personal use "means that the member does not regularly or frequently rent/sell reservations" (DVC Terms & Conditions).
DVC's commercial-use policy lists warning signs. Examples include a majority of an owner's reservations or points being used by other people, overlapping reservations at different resorts, and regular advertising of point rentals (DVC Commercial Use Policy).
The offering statement also says to buy for vacation use, "not ... with any expectation of achieving rental income."
Note: news sites report an expanded version of the policy from March 2026, with penalties lasting up to 24 months and a 20-reservation threshold. We didn't confirm those details in Disney's own documents.

Holiday Inn Club Vacations

The club's exchange disclosure prohibits using reservations "for business or commercial purposes, specifically including, but not limited to, use through auctions, rentals or sales" (Holiday Inn Club disclosure guide).
Guest Certificates let members' non-member friends, guests or family aged 21 or older use the club (same guide). Members get 15 guest-of-member reservations a year at no charge, then $199 each (Holiday Inn Club fee sheet).
Note: we didn't find an official Holiday Inn Club exception for renting a deeded home week. Ask the club.

Bluegreen Vacations

Bluegreen's owner guide says: "Commercial use such as listing Bluegreen Vacations for rent is prohibitive," and unauthorized commercial use "is strictly prohibited" (Bluegreen Road Map to Great Vacations).
At Wilderness Club at Big Cedar, guest reservations and name changes are limited to three per ownership account per year. They must be made by phone at least 31 days before arrival, at $99 each (same guide).
Note: this is the strictest wording of the six. Read it as "don't list Bluegreen stays for rent" unless Bluegreen tells you in writing that you can.

Bottom line: at most of these clubs, renting your own deeded or home week now and then is the safest case. Renting stays booked with points is where clubs cancel bookings and restrict accounts.

Where to rent it

Option	What we confirmed	Watch out for
Your resort's own rental program	Some developers offer one	Note: we didn't confirm current programs, fees or payouts for the six brands. Ask owner services first, because it's the option your club already allows.
RedWeek	Timeshare-only marketplace. Its owner page lists a one-time listing fee and a success fee on online bookings, plus a membership (RedWeek: rent your timeshare).	Check the current fees at signup.
Koala	Free to list, with a commission charged only when a booking succeeds (Koala)	Note: we saw an 8% figure in summaries but not on a fee page. Confirm it.
SellMyTimeshareNOW rentals	Sells paid rental advertising for owners (SMTN rentals)	Note: current prices aren't published. This is an upfront fee, so read the scam section below first.
Airbnb	Airbnb lists "Timeshare" as an accepted property type (Airbnb Help 2351)	Your club rules still apply. Host fees: see our listing guide.
Vrbo	Vrbo wants whole units, and its host terms require listings to be accurate and lawful (Vrbo host terms)	Note: we found no current Vrbo page that explicitly allows or bans timeshares. Ask Vrbo before you list.

A listing with no fixed dates is hard to sell. Book the stay first, then list exactly those dates, the unit type and the resort name.

Pricing: maintenance fees vs. achievable rent

ARDA, the timeshare industry group, reports an average maintenance fee of $1,480 per weekly interval for 2024, not counting taxes or special assessments (ARDA 2025 State of the Industry).

Why most owners only offset fees: - The same resort is often bookable directly or through other owners, so guests can compare prices easily. - Developers often sell to the same guests at the same resort. - Your costs include listing fees, commissions, guest-certificate fees and possibly lodging taxes.

Example (made-up numbers):

Example only	Amount
Yearly maintenance fee	$1,600
Rent for one week (7 nights at $250)	$1,750
Marketplace commission (example 8%)	−$140
Guest certificate (example)	−$99
Net vs. fee	about −$89 (rent covers ~94%)

To find a realistic rate, search for your resort, unit size and week on RedWeek, Koala and Airbnb. Then price just below comparable listings. For break-even math, see our pricing guide.

Booking timing, check-in and cancellations

Book early, list early. Fixed weeks can be listed as soon as you know them. With floating weeks and points, wait until the reservation is confirmed, and never advertise a booking you don't hold.
Get the guest certificate or name change right. HGV wants it at least 48 hours before check-in. Bluegreen's Big Cedar resort wants it 31 days ahead. Wyndham charges for a new confirmation if the name changes. Get your renter's full legal name before you pay any fee.
Tell guests what to bring. That means photo ID matching the reservation and a credit card for incidentals, and they must be 21 or older where the club requires it.
Cancellation risk is yours twice over. If the guest cancels, you may not get your points or fees back. If the club decides the booking is commercial, it can cancel with no refund, and you'll owe the guest. Use a marketplace with a clear cancellation policy, and put it in writing.
Damage: you're responsible to the resort for your guest. Our house rules guide covers deposits and rules.

Taxes, in general terms

Federal: IRS Publication 527 covers residential rental property, including dwelling units you also use personally (IRS Pub. 527). Rental income is generally reportable. The 14-day / 10% personal-use rules in our rules and taxes guide can change what you report and deduct.
Note: we didn't confirm how the IRS treats a points-based, right-to-use membership compared with a deeded week for these rules. Ask a tax pro.
Deductions: see our tax deductions guide for expense splitting.
Lodging taxes: short stays are often subject to state and local lodging taxes. Some platforms collect them and some don't. Check with your state and county.

Avoid timeshare scams

The FTC warns against resale or rental companies that ask for upfront fees for listing, advertising, closing or legal work, especially after promising a ready buyer or renter. It advises getting all promises and fees in writing and contacting your developer first about exit options (FTC: Timeshares, vacation clubs and related scams; FTC: selling your timeshare). State attorneys general give the same warning, including California, Illinois and Maryland.

Red flags: - Unsolicited calls or emails claiming a renter is waiting for your unit. - "Guaranteed" rental income. - Fees by wire, gift card or crypto. - Pressure to act today.

Report fraud at ReportFraud.ftc.gov and to your state AG.

If renting doesn't work: exit options (briefly)

Ask the developer about a deed-back or surrender program. The FTC suggests starting there.
Sell resale through a licensed broker in the resort's state, who should be paid from the sale proceeds, not upfront.
Give it to family, but only if they really want it, because the fees transfer too.
Be wary of "exit companies" that charge large upfront fees.

Related guides

Checked October 19, 2026 against the linked owner documents and help pages. Club rules change often, so confirm with your club before you rent. Hidden Villas has no affiliate or paid relationship with any company named here.