Buyer’s Q&A
How much does fractional ownership cost in the US?
The 1/8 shares we list in the US today run $68,000–$2,561,000, with running costs shared between the owners. Resort markets like Aspen and Tahoe sit at the top.
The short answer: The 1/8 shares we list in the United States today run $68,000–$2,561,000. Running costs are shared between the owners; we send you the figures for any home you're interested in. Premium resort markets — Aspen, Lake Tahoe, Park City — sit at the top; Palm Springs, Florida and parts of California sit lower. US pricing reflects higher underlying property prices and a higher operating cost base than comparable European markets.
What the shares we list cost today, by market
Every figure below is filled from the homes we list today, so it moves as homes are listed and sold.
| Destination | 1/8 shares we list today |
|---|---|
| Aspen and Snowmass, CO | $1,170,000–$2,561,000 |
| Lake Tahoe, CA/NV | $215,000–$750,000 |
| Park City, UT | $450,000–$1,186,000 |
| Napa Valley, CA | $479,000–$1,349,000 |
| Palm Springs and the Coachella Valley, CA | $125,000–$695,000 |
| Florida | $68,000–$1,685,000 |
| Los Cabos, MX | $499,000–$950,000 |
What drives the higher US numbers vs Europe
US fractional share prices are noticeably higher than in equivalent European destinations. Three reasons. First, underlying US luxury second-home prices are higher in the resort markets where fractional has the deepest footprint — Aspen, Tahoe, Hamptons are priced at the top of the global luxury market. Second, US operating costs (property tax, insurance, labour) run higher than equivalent European markets — a Mallorca villa's annual taxes are a fraction of an Aspen home's. Third, the US fractional market has been operating commercially since the late 1980s, so it has more mature pricing power than the post-2020 European market.
What's bundled in the headline US share price
Pro-rata share of the property purchase, state transfer taxes paid on the original purchase, renovation, furnishing, legal set-up, and the company's service fee (typically 10–15% built into the total). How tax works on the share purchase itself depends on the state and the home's legal set-up, which our partner explains before you buy; we recommend independent advice.
What the running costs cover
Local property tax, HOA fees where applicable, property insurance (often including flood or earthquake riders in California / Florida), professional property management, routine maintenance, utilities (typically cost pass-through), and a reserve fund contribution that keeps the home in top condition for the long term.
US line items to know
Three items that shape US running costs. First, property tax — in Aspen and Park City it typically runs 0.5–1% of property value per year, shared across all owners. Second, insurance — wildfire cover in California and hurricane cover in Florida are arranged at the property level. Third, HOA fees where the home sits inside a master-planned community — check whether these are included in the annual fee.
Mortgage financing for US buyers
Many buyers pay cash. Financing may be available depending on where you live; ask us for the current position for the home you like. The mortgage adds an annual interest cost that buyers should factor into the cost-per-night calculation.
Where to compare current US listings
Co-Ownership Property's US selection shows every US home we list today, with its price.
Further reading
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