Not sure if you figured Priority membership into the mix.....Also, always the option of playing golf off-campus, rates usually are about $10 less than the Villages, quality of course MIGHT not be as good as Villages...Also, there will be a trail fee on executives unless you pay trail fee....We are Priority members, I play the championships maybe twice a month, spouse at least 3 times a week....Our private course in NC annual membership was approx.$5500 not counting Dining Room minimum, so to answer question, rate in Villages is higher BUT when you live in paradise, Life is Good!