2026 HGVC Maintenance Fees (Discussion of MFs)

[mountainboy]

I hope we get Elara M/F data soon. I am looking to add a 2 Bedroom 13440 point deed to my account. It looks like 3% increase in most Vegas properties for 2026.

Hope this entire message thread may have given you more insights into MFs & learnt from the expertise from wise Tuggers....
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Sharing from @GT75 's post on MFs section..
TY!

2026 Hilton Grand Vacations Club Maintenance Fees

Plantation Beach Club Indian River Plantation 2BR 2026 Operating Fee - $1,434.27 2026 RE Taxes - $83.98 2026 Reserve Fee - $445.11 TOTAL 2026 MFs - $1,963.36 Total 2025 MFS-$1,842.58 Increase of 120.78 (about 6.5%)

tugbbs.com

 

[Reddart]

I have a 2BR Elara Plt, been lucky the last few years with relatively low maintenance increases.

 

[hgvcdude]

I am curious how the Elara maintenance fees could be posted when I haven't been billed in my online account for it yet.

 

[GT75]

@cowboyfan, MFs for Chicago Magnificant Mile did increase by ~14% due mainly to Real Estate Taxes. I don’t know why it increased so much for this resort.

 

[cowboyfan]

@cowboyfan, MFs for Chicago Magnificant Mile did increase by ~14% due mainly to Real Estate Taxes. I don’t know why it increased so much for this resort.

View attachment 116982

I expected this would happen to Vegas deeds but fortunately I was wrong this year. Thanks for all you do to help all of us.

 

[dayooper]

@cowboyfan, MFs for Chicago Magnificant Mile did increase by ~14% due mainly to Real Estate Taxes. I don’t know why it increased so much for this resort.

View attachment 116982

The city of Chicago is projecting a very large budget deficit for the 2026 year.

 

[GT75]

The city of Chicago is projecting a very large budget deficit for the 2026 year.

That is what I am thinking but are they allowed to raise property taxes like that? Well, just glad that I don’t own there.

 

[dayooper]

That is what I am thinking but are they allowed to raise property taxes like that? Well, just glad that I don’t own there.

The mayor and council has repeatedly said they didn’t want to raise taxes, but they think it’s probably going to happen now.

I am glad we don’t own there as well. When it looked like they were going to follow the NYC and DC reservation windows (60-75 day club booking), we briefly looked at purchasing resale there. Happy we didn’t.

 

[Jamlam2025]

I have a 2BR Elara Plt, been lucky the last few years with relatively low maintenance increases.

I was choosing between Boulevard and Elara when I bought resale. Both are solid choices but I’m glad I got Elara for the relatively lower mf. It’s an added benefit that I’d prefer to stay at Elara over the other hgvc properties.

 

[brp]

I was choosing between Boulevard and Elara when I bought resale. Both are solid choices but I’m glad I got Elara for the relatively lower mf. It’s an added benefit that I’d prefer to stay at Elara over the other hgvc properties.

We own ad Blvd. with good MFs. I didn't look at Elara at the time, but some of those units can be lower than Blvd. from what I've soon, so good grab.

We stay at Elara instead of Blvd. Since we never book during Home Week, there is no disadvantage for us to own at Blvd. vs. Elara. At 9 months they are identical.

Cheers.

 

[GT75]

I was choosing between Boulevard and Elara when I bought resale. Both are solid choices but I’m glad I got Elara for the relatively lower mf.

You are correct.

For a little bit of history. Elara is the reason that I change the way that I now compile the the HGVC resorts with the lowest MFs. Originally, I only looked at a few select resorts/room sizes which I thought had the lowest MFs/points. Initially, Elara wasn't included (because I thought that it didn't have low MFs when I first looked at it) until some tugger (sorry, I forgot who that was) pointed out my mistake. So now I include all resorts, units and even seasons in the report for the lowest HGVC MFs/pt list.

 

[Jamlam2025]

We own ad Blvd. with good MFs. I didn't look at Elara at the time, but some of those units can be lower than Blvd. from what I've soon, so good grab.

We stay at Elara instead of Blvd. Since we never book during Home Week, there is no disadvantage for us to own at Blvd. vs. Elara. At 9 months they are identical.

Cheers.

It came down to buying blvd or Elara for me.
I know of the constraint that Elara deeds cannot trade a for other hgvc property deeds through hgvc sales. I find it to be an acceptable restriction.

I agree. I would not expect myself to book home week either. On the very off chance, Elara falls off the hgvc system. At least I would own property in a location I like.

 

[shootrrr88440]

It came down to buying blvd or Elara for me.
I know of the constraint that Elara deeds cannot do a for other hgvc property deeds through hgvc sales. I find it to be an acceptable restriction.

I agree. I would not expect myself to book home week either. On the very off chance, Elara falls off the hgvc system. At least I would own property in a location I like.

What constraints are there for Elara?

 

[Jamlam2025]

What constraints are there for Elara?

I meant to write…. Cannot trade for other hgvc deeds.

I read that hgvc salespeople will not accept Elara deeds for “trading” into other property deeds. Not a big deal for me since I don’t see myself giving hgvc any retail $.

 

[dayooper]

What constraints are there for Elara?

The biggest issue with Elara deeds is there are some that are not able to be in the HGVC system. Elara was originally built, sold and managed by Wastegate . . . er . . . Westgate. When Westgate had financial difficulty, they sold it to HGVC. The original name was PH Towers. There are some deeds that are still deeded as Westgate and they can't be enrolled into the HGVC system. It's easy enough to determine if a deed is Westgate or not, but you have to know what you are looking for. There was post several years ago that showed the difference in the estopple. They are a great deed to own when you purchase a 1 bedroom Grand or Grand Plus . Great MF per point ratio.

 

[RX8]

Curious as to why there are two separate but similar (same?) threads. One is 2026 HGVC maintenance fees and this one, 2026 Hilton Grand Vacation Club maintenance fees.

 

[dayooper]

Curious as to why there are two separate but similar (same?) threads. One is 2026 HGVC maintenance fees and this one, 2026 Hilton Grand Vacation Club maintenance fees.

In the other one, the OP was predicting very high MF increases and the discussion ensued. This thread should just be reporting of the MF’s.

 

[WaikikiFirst]

Curious as to why there are two separate but similar (same?) threads.

I've been about that for weeks, knowing this one started as Performance Art (another "sky is falling" performance) and it was just a matter of time before it was proven to be so. "Oh NO, Mr Bill"

 

[1Kflyerguy]

I meant to write…. Cannot trade for other hgvc deeds.

I read that hgvc salespeople will not accept Elara deeds for “trading” into other property deeds. Not a big deal for me since I don’t see myself giving hgvc any retail $.

This is not exclusive to just Elara; I believe that, in general, you can only trade a deed back for a different one from the same developer. If the resort was actually developed by HGV then you can trade for other HGV deeds. The South Carolina resorts were developed by Strand Group, so you can only trade for a resort developed by them. Grand Islander was developed by Goldman Sachs, so you can't trade that for one of the resorts developed by HGV. It's complicated, though. Planning to trade a deed back should not be part of your plans or justification for a direct purchase.

 

[GT75]

so you can only trade for a resort developed by them.

@1Kflyerguy, yes your post above is correct. I am very familiar with SC properties but keep forgetting about others. I would think that restrictions on trade-in would certainly hurt sales during OU. Of course, not our problem.

 

[Jamlam2025]

The biggest issue with Elara deeds is there are some that are not able to be in the HGVC system. Elara was originally built, sold and managed by Wastegate . . . er . . . Westgate. When Westgate had financial difficulty, they sold it to HGVC. The original name was PH Towers. There are some deeds that are still deeded as Westgate and they can't be enrolled into the HGVC system. It's easy enough to determine if a deed is Westgate or not, but you have to know what you are looking for. There was post several years ago that showed the difference in the estopple. They are a great deed to own when you purchase a 1 bedroom Grand or Grand Plus . Great MF per point ratio.

I agree. The westgate/hgvc deed was an extra step that needed to be learnt when buying resale. As a first deed, it only added to my anxiety/confusion.
I understand that the estoppel must show the correct number of points, if not, it’s westgate.

 

[dioxide45]

Curious as to why there are two separate but similar (same?) threads. One is 2026 HGVC maintenance fees and this one, 2026 Hilton Grand Vacation Club maintenance fees.

I was wondering the same thing a week or so ago. Confusing, but I noticed one of them had no one reporting any actual numbers.

 

[Jamlam2025]

The pinned thread has a request to refrain from discussion. It assumed this thread is for general discuss. Pinned thread is data collection and documentation.

 

[cowboyfan]

I expected Vegas deeds would get a big bump in M/F this year due to higher taxes and insurance. (thankfully that did not happen) However HGVC Chicago Mag Mile got 15% M/F increases due to much higher taxes/insurance for 2026. Glad I was wrong about Vegas and I am now looking at a 2BR 13440 point Elara deed. Fingers crossed.

 

[GT75]

The pinned thread has a request to refrain from discussion. It assumed this thread is for general discuss.

Exactly the reason.