The income requirement for a vacpack is one of the most-asked questions. People think it's $100K+. Its not. For most major brands the floor is $50K household.
Actual Income Floors (2026)
- Westgate — $50K household
- Wyndham — $50K household
- Holiday Inn Club — $50K household
- Bluegreen — $50K household
- BookVIP / Monster Reservations — $50K household
- Marriott Vacation Club — $75K household
- Hilton Grand Vacations — $75K household
- Hyatt Vacation Club — $75K household
- Villa Group / Pueblo Bonito — $80K household
How They Verify
The real answer: usually they don't. At check-in, front desk asks you to confirm household income verbally. That's it. No paystubs, no tax returns, no W-2s.
Some brands (HGV, Marriott) may ask to see a credit card in the name of the booking person with available credit line of $X as a soft verification. That's typical enforcement.
What Counts as Income
Broader than people realize:
- Salary + bonuses
- Self-employment net income
- Social Security / pension
- Spousal income (combined household)
- Investment income (dividends, interest, rental)
- Annuity payments
- Trust distributions
Retirees often easily meet $50K even without active salary just through Social Security + pension + investments.
Lying Is Stupid
Technically you could lie. Nobody will check a paystub. But:
- If your caught (happens <1% but does happen), the resort can cancel your stay mid-trip and bill you the full retail rate.
- Some brands cross-reference to block future bookings. Westgate in particular has been known to blacklist falsely-qualified guests.
- It's genuinely not worth it — the $50K floor is achievable for most employed adults.
What About Credit Score?
Not checked at booking for most brands. Credit check happens only if you sign a timeshare purchase agreement (which you won't if you just want the vacpack).
Unemployment / Between Jobs
Tricky. If your household member is employed and meets the floor combined with your previous savings/UI, you qualify. If literally no one in household has income, most brands will decline.
Browse vacpacks knowing the income bar is lower than you think.