{"id":37470,"date":"2025-05-26T06:00:00","date_gmt":"2025-05-26T10:00:00","guid":{"rendered":"https:\/\/www.zoocasa.com\/blog\/?p=37470"},"modified":"2025-06-04T12:14:36","modified_gmt":"2025-06-04T16:14:36","slug":"disney-vacation-vs-homeownership-costs","status":"publish","type":"post","link":"https:\/\/www.zoocasa.com\/blog\/disney-vacation-vs-homeownership-costs\/","title":{"rendered":"Skipping One Disney Vacation Could Put You Up to 20% Closer to Homeownership in These U.S. Cities"},"content":{"rendered":"\n<p>The &#8220;Happiest Place on Earth&#8221; is also one of the most expensive. The average Disney World vacation for a family of four <a href=\"https:\/\/www.nerdwallet.com\/article\/travel\/disney-family-vacation-cost\" target=\"_blank\" rel=\"noreferrer noopener\">costs $8,912<\/a>, and that&#8217;s just for moderate spenders. For families seeking a more luxurious experience, NerdWallet estimates that it can cost up to $15,559 for 7 nights of magical moments.&nbsp;<\/p>\n\n\n\n<p>But not every family\u2019s budget can go to infinity and beyond to afford these vacations. A <a href=\"https:\/\/www.lendingtree.com\/debt-consolidation\/disney-goers-debt-survey\/\" target=\"_blank\" rel=\"noreferrer noopener\">LendingTree<\/a> survey found that 45% of Disney-goers with children younger than 18 have gone into debt for a trip. While making memories is priceless, what if that money went toward something more lasting, like a home?<\/p>\n\n\n\n<p>To put this into perspective, Zoocasa calculated the 20% down payment needed for median-priced single-family homes in 50 U.S. cities and estimated how many years of skipping a Disney vacation it would take to save that amount. We also calculated what percentage of a down payment a single Disney vacation would cover.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXftN2604BqxWYr2wvzkf0XD90wU7pJAOxPUZMeuKopSvjKnhKtx8KE75LB98JrV4To0wdoeQagKU5Kj_DhwNHIDw4seAmvmvdrV14UFQjE4m-b07mkSkbSzAUX_x1XP2hRK_Cx8?key=pJc7h-WoEshcDudIwNtxxw\" alt=\"An infographic titled &quot;Buying a Home? or Going to Disney? The Real Price of Your Family Vacation&quot;. The infographic then compares the costs of a disney vacation vs. homeownership\"\/><\/figure>\n\n\n\n<h1 class=\"wp-block-heading\">A Disney Trip or a Mortgage? Your Travel Budget Might Go Further Than You Realize<\/h1>\n\n\n\n<p>A large one-time expense like a trip to Disney World can cover a surprising portion of a home\u2019s 20% down payment. Redirecting even just one year of vacation funds toward a future down payment could significantly shorten your savings timeline.&nbsp;<\/p>\n\n\n\n<p>For example, $8,912 in vacation expenses could cover 20.9% of a down payment in <a href=\"https:\/\/www.zoocasa.com\/cleveland-oh-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Cleveland<\/a>. In <a href=\"https:\/\/www.zoocasa.com\/pittsburgh-pa-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Pittsburgh<\/a>, this money could cover 19.8% of a down payment.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Read: <\/strong><a href=\"https:\/\/www.zoocasa.com\/blog\/middle-class-housing-affordability-gap\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>The Middle Class Housing Gap: What Lower vs. Upper Earners Can Afford Across the U.S.<\/strong><\/a><strong>&nbsp;<\/strong><\/li>\n<\/ul>\n\n\n\n<p>But it\u2019s not only in affordable cities that redirecting vacation funds can make a difference toward a down payment. In <a href=\"https:\/\/www.zoocasa.com\/los-angeles-ca-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Los Angeles<\/a>, Seattle, and <a href=\"https:\/\/www.zoocasa.com\/boston-ma-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Boston<\/a>, forgoing a Disney World trip puts you at least 5% closer to your down payment savings goal. That might not sound like a lot, but when the average 20% down payment is close to or above $150,000, any little bit helps.&nbsp;<\/p>\n\n\n<p><iframe title=\"How Much of a Down Payment One Disney Trip Covers\" aria-label=\"Table\" id=\"datawrapper-chart-jW30R\" src=\"https:\/\/datawrapper.dwcdn.net\/jW30R\/2\/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"400\" data-external=\"1\"><\/iframe><script type=\"text\/javascript\">!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r,i=0;r=e[i];i++)if(r.contentWindow===a.source){var d=a.data[\"datawrapper-height\"][t]+\"px\";r.style.height=d}}}))}();\n<\/script><\/p>\n\n\n\n<p>While many Disney-loving families may not want to skip their annual trip, passing on just one year could bring you significantly closer to your dream home. In 29 cities, redirecting the cost of a Disney World vacation could cover at least 10% of a down payment, including in <a href=\"https:\/\/www.zoocasa.com\/orlando-fl-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Orlando<\/a>.&nbsp;<\/p>\n\n\n\n<p><strong><em>Want a chance to win a $50 Amazon gift card? Take our U.S. homeownership survey &#8211; we&#8217;re picking 3 winners. <\/em><\/strong><\/p>\n\n\n<div class=\"riddle2-wrapper\" data-rid-id=\"xrV2QHzT\" data-auto-scroll=\"true\" data-is-fixed-height-enabled=\"false\" data-bg=\"#fff\" data-fg=\"#00205b\" style=\"margin:0 auto; max-width:100%; width:640px;\" ><script src=\"https:\/\/www.riddle.com\/embed\/build-embedjs\/embedV2.js\"><\/script><iframe title=\"Zoocasa US Housing Survey\" src=\"https:\/\/www.riddle.com\/embed\/a\/xrV2QHzT?lazyImages=false&#038;staticHeight=false\" allow=\"autoplay\" referrerpolicy=\"strict-origin\"><\/iframe><\/div>\n\n\n\n<p>With this in mind, families should carefully weigh their short-term desires against long-term goals before budgeting for a vacation. For instance, is a trip to Disney possible without overextending your budget? Have you considered closer, more affordable alternatives? Are you planning to upsize your home in the next few years? If skipping just one year of vacation brings you closer to your homeownership goals, it may be a worthwhile trade-off.<\/p>\n\n\n<p><iframe title=\"Years of Vacation Savings Needed for a Down Payment\" aria-label=\"Table\" id=\"datawrapper-chart-dxj2L\" src=\"https:\/\/datawrapper.dwcdn.net\/dxj2L\/1\/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"400\" data-external=\"1\"><\/iframe><script type=\"text\/javascript\">!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r,i=0;r=e[i];i++)if(r.contentWindow===a.source){var d=a.data[\"datawrapper-height\"][t]+\"px\";r.style.height=d}}}))}();\n<\/script><\/p>\n\n\n\n<h1 class=\"wp-block-heading\">From Cinderella\u2019s Castle to Your Own: How Many Years of Skipped Vacations Add Up to a Down Payment<\/h1>\n\n\n\n<p>It might be easy to skip one year of vacation, but several? It\u2019s harder, but the reward is greater.&nbsp;<\/p>\n\n\n\n<p>In eight cities, including <a href=\"https:\/\/www.zoocasa.com\/memphis-tn-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Memphis<\/a> and <a href=\"https:\/\/www.zoocasa.com\/detroit-mi-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Detroit<\/a>, skipping six years of Disney World vacations could cover a full 20% down payment. Some families take their children to Disney as toddlers, but waiting until they\u2019re in elementary school can give your down payment budget more time to grow and ensure the kids remember more of the experience.&nbsp;<\/p>\n\n\n\n<p>In 20 cities, it would take seven to nine years of skipped Disney vacations to cover a 20% down payment, with <a href=\"https:\/\/www.zoocasa.com\/cincinnati-oh-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Cincinnati<\/a> and <a href=\"https:\/\/www.zoocasa.com\/san-antonio-tx-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">San Antonio<\/a> requiring only seven years and <a href=\"https:\/\/www.zoocasa.com\/chicago-il-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Chicago<\/a>, <a href=\"https:\/\/www.zoocasa.com\/tampa-fl-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Tampa<\/a>, and <a href=\"https:\/\/www.zoocasa.com\/nashville-tn-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Nashville<\/a> requiring nine.&nbsp;<\/p>\n\n\n\n<p>Forgoing big trips for that long may mean your children don\u2019t experience Disney until they\u2019re older, but as a trade-off, you could be giving them a better home or neighborhood to grow up in. There\u2019s no right or wrong answer when it comes to how you spend your money; it all depends on your values and goals.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Read: <\/strong><a href=\"https:\/\/www.zoocasa.com\/blog\/co-ownership-home-usa\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Buying Solo vs. Co-Ownership: The Move That Cuts Your Mortgage in Half<\/strong><\/a><\/li>\n<\/ul>\n\n\n\n<p>With that being said, the rising cost of homeownership means many families may increasingly face a choice between a vacation and a future home. In some cities, skipping a family vacation may not put a meaningful dent in homeownership savings.&nbsp;<\/p>\n\n\n\n<p>Families wanting to buy a home in <a href=\"https:\/\/www.zoocasa.com\/san-jose-ca-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">San Jose<\/a> would need to skip 45 Disney vacations before they saved enough for the $404,000 down payment. <a href=\"https:\/\/www.zoocasa.com\/san-francisco-ca-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">San Francisco<\/a> and San Diego also have incredibly long timelines, requiring 30 and 23 years of forgone vacations, respectively, to cover the 20% down payment.<\/p>\n\n\n\n<p>Rather than fixating on the exact number of vacation-free years needed for a down payment, families can use these figures as a reminder of how financial decisions shape the future. It doesn\u2019t mean all entertainment or leisure needs to be skipped, just that a few thoughtful trade-offs could bring you closer to your long-term homeownership goals. <\/p>\n\n\n\n<p>Need help reaching your real estate goals? Our experienced real estate agents are here to help! <a href=\"https:\/\/www.zoocasa.com\/search\" target=\"_blank\" rel=\"noreferrer noopener\">Give us a call today<\/a> to start planning for your future moves.<\/p>\n\n\n<div class=\"cta\">\n<div class=\"cta-left\">\n<div class=\"cta-title\">Considering a move this year?<\/div>\n<div class=\"cta-body\">Contact us today to talk to a Realtor in your area<\/div>\n<\/div>\n<div class=\"cta-right\"><a href=\"https:\/\/www.zoocasa.com\/buy-with-zoocasa\"><button class=\"cta-button\">Talk To Our Experts<\/button><\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The &#8220;Happiest Place on Earth&#8221; is also one of the most expensive. The average Disney World vacation for a family of four costs $8,912, and that&#8217;s just for moderate spenders. For families seeking a more luxurious experience, NerdWallet estimates that it can cost up to $15,559 for 7 nights of magical moments.&nbsp; But not every [&hellip;]<\/p>\n","protected":false},"author":132,"featured_media":37471,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"footnotes":""},"categories":[1114,1107,1190],"tags":[],"class_list":["post-37470","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-affordability-reports","category-infographics","category-united-states"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Disney Vacation vs Homeownership Costs: What One Trip Buys<\/title>\n<meta name=\"description\" content=\"Curious about Disney vacation vs homeownership costs? 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See how skipping just one trip could cover a big chunk of a 20% down payment.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.zoocasa.com\/blog\/disney-vacation-vs-homeownership-costs\/\" \/>\n<meta property=\"og:site_name\" content=\"Zoocasa Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Zoocasa\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-26T10:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-06-04T16:14:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2025\/05\/Blog-1200-x-630-px-3.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Mackenzie Scibetta\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.zoocasa.com\/blog\/wp-content\/uploads\/2025\/05\/Blog-1200-x-630-px-3.png\" \/>\n<meta name=\"twitter:creator\" content=\"@Zoocasa\" \/>\n<meta name=\"twitter:site\" content=\"@Zoocasa\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mackenzie Scibetta\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.zoocasa.com\/blog\/disney-vacation-vs-homeownership-costs\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.zoocasa.com\/blog\/disney-vacation-vs-homeownership-costs\/\"},\"author\":{\"name\":\"Mackenzie Scibetta\",\"@id\":\"https:\/\/www.zoocasa.com\/blog\/#\/schema\/person\/f94c43a0733031723a673cfb21916c34\"},\"headline\":\"Skipping One Disney Vacation Could Put You Up to 20% Closer to Homeownership in These U.S. Cities\",\"datePublished\":\"2025-05-26T10:00:00+00:00\",\"dateModified\":\"2025-06-04T16:14:36+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.zoocasa.com\/blog\/disney-vacation-vs-homeownership-costs\/\"},\"wordCount\":867,\"publisher\":{\"@id\":\"https:\/\/www.zoocasa.com\/blog\/#organization\"},\"articleSection\":[\"Affordability Reports\",\"Infographics\",\"United States\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.zoocasa.com\/blog\/disney-vacation-vs-homeownership-costs\/\",\"url\":\"https:\/\/www.zoocasa.com\/blog\/disney-vacation-vs-homeownership-costs\/\",\"name\":\"Disney Vacation vs Homeownership Costs: What One Trip Buys\",\"isPartOf\":{\"@id\":\"https:\/\/www.zoocasa.com\/blog\/#website\"},\"datePublished\":\"2025-05-26T10:00:00+00:00\",\"dateModified\":\"2025-06-04T16:14:36+00:00\",\"description\":\"Curious about Disney vacation vs homeownership costs? 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