Cats or Dogs: Which Are More Expensive?

I love my dog, but whoever coined the phrase, “You can’t put a price on love” probably wasn’t a pet owner.

I’ve run the numbers, and between food, treats, toys, dog park memberships, pet medical bills and medicine, my large dog has cost me nearly $1,000 in a single year.

How much dog and cat owners spend on their four-legged family members varies widely. Several years ago, the ASPCA conducted a study on the average cost of owning a dog or a cat. It found that cats are cheaper than dogs, but small dog breeds can be cheaper to own than cats.

The group examined capital costs — one-time expenditures such as a leash, a carrier and the cost of getting the pet spayed or neutered. The ASPCA also tallied recurring costs, including medical bills, food, litter for cats, licenses, toys/treats and health insurance.

The breakdown is as follows — although keep in mind that costs likely have risen since the study first was published:

Small dog: $470 in capital costs + $737 in recurring costs per year

Medium dog: $565 in capital costs + $894 in recurring costs per year

Large dog: $560 in capital costs + $1,040.41 in recurring costs per year

Cat: $365 in capital costs + $809 in recurring costs per year

Of course, those are averages. According to the ASPCA:

“You shouldn’t expect to pay less than this, and you should definitely be prepared to pay more. Don’t forget to factor in the costs of unexpected veterinary care, as well as boarding facilities, pet sitters and dog walkers, if you plan to use them.”

Grooming costs for long-haired dog breeds are not included, but can easily add a few hundred dollars annually. And then there’s the new couch you’ll need after your cat decides it likes that better than a scratching post, or the new carpet you’ll need after the dog decides to leave his mark.

But there are ways for responsible pet owners to control the costs associated with their critters. Consider these tips:

1. Medical bills

Veterinarian checking small dog.
Syda Productions /

The ASPCA says cats and dogs should see a doctor at least once a year. The first year — when these pets usually require the most shots — can be more expensive.

To reduce some of those costs, do a little comparison shopping, as some medical professionals cost less than others. Shop around, and ask friends and co-workers for reviews of their pets’ caregivers and check Yelp.

However, be sure to compare the costs of both regular visits and emergency ones. Emergency trips — like the time my puppy ate a bag of nickels — can be very costly.

Also, check local animal shelters for discount spaying/neutering, shots or other medical services. Some offer them, others don’t, while still others offer them on a sliding scale.

Does your pet need to take medications? You can often get them cheaper by shopping around. Kroger, Costco and Walmart offer pet medications, along with a number of internet sites. Sometimes they offer generic versions that, just like medications for people, are substantially cheaper.

Some owners use pet health insurance to save money on their bills – both expected and unexpected – but such coverage is not cheap. Accident and illness coverage averaged $535 annually for dogs and $335 annually for cats in 2017, according to the North American Pet Health Insurance Association.

2. Food and supplies

Two cats and a dog eating side by side.
Irina-Kozorog /

The ASPCA says the average yearly cost of food and supplies for a large dog like mine breaks down like this:

Food: $400.31

Toys and treats: $75

Total: $475.31

But I spend less than that, and I buy organic. For one thing, I used to buy my dog’s food at a local pet store. A 30-pound bag costs $57.99, but I found the same bag on Amazon for $51.99.

Looking for more ways to cut food costs? Check out “8 Tips for Slashing Your Pet Food Bill.”

3. Grooming and training

Fluffy white dog being groomed on table.
Lucky Business /

I save money on these pricey extras by not paying for them at all. I learned how to groom my dog online. Two great resources for getting those skills are:

By doing all my own grooming, I save about $160 per year.

I also skipped dog-training class and instead learned basic commands for my dog and other tricks through dog training sites. Here are two of my favorites:

  • WebMD Pets has great one-minute training videos featuring a certified dog trainer. You won’t learn everything you need to know, but it’s helpful to watch the techniques in action.
  • Petfinder has a training section for dogs that covers everything from behavioral problems to basic dog tricks.

Bottom line? Animals aren’t cheap, but where there’s a will to save, there’s a way.

Have you been surprised by the cost of having a pet? Share your experience with us in comments below or on our Facebook page.

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