Dogs are amazing. They’re loyal, lovable, and occasionally chew up your favorite shoes. But before you adopt your new best friend, it’s worth knowing what kind of dent they’ll make in your budget. A dog is a long-term commitment, and just as your parents always said, it’s a big responsibility. On top of that, there are a lot of costs that you might not even think of.
Here’s a breakdown of the real costs of dog ownership, from adoption day to daily life.
The upfront costs (aka puppy setup mode)
- Adoption or breeder fee: $50–$500+
- Initial vet visit + vaccinations: $100–$300
- Spay/neuter surgery: $150–$400 (sometimes included in adoption)
- Supplies (bed, crate, leash, toys, food bowls): $100–$300
That first wag might cost you anywhere from $400 to $1,000+—so yes, dogs are cute, but not cheap.
Ongoing monthly expenses
- Food: $30–$80 depending on size and diet
- Flea/tick/heartworm meds: $15–$40
- Routine vet care: Budget around $200–$400 per year
- Grooming: $0–$75 per month depending on breed and fluffiness
- Pet insurance (optional but smart): $20–$60/month
- Treats, toys, surprise sock surgery: $10–$30/month
Most dog parents spend about $100–$300/month on their pup—not including emergency stuff.
The “uh-oh” costs
- Emergency vet visits
- Medications for chronic conditions
- Boarding or doggy daycare
- Replacing your chewed-up couch
Brigit does not provide personalized financial, investment, or legal advice. This content is for general informational purposes only and should not be relied upon as financial advice.
