Complete 2026 cost breakdown — puppy price, annual expenses, and lifetime estimate based on breed size, coat type, and energy level.
Puppy price
$500–$1,250
From reputable breeder
Annual cost
$1,974
Per year ongoing
Lifetime total
$17,525
Over ~10.7 years
Annual breakdown
Dog food
$324/yr
Based on small breed feeding requirements
Veterinary care
$600/yr
regular energy breeds have typical vet costs
Grooming
$600/yr
wiry coat requires frequent grooming
Toys & enrichment
$250/yr
Standard toy rotation
Other (misc/insurance)
$200/yr
Training, boarding, pet insurance contributions
Total annual cost
$1,974
* Estimates based on Scottish Terrier breed profile (small size, regular energy, wiry coat). Actual costs vary by location, lifestyle, and individual dog health.
First year
Puppy / adoption fee
Reputable breeder or rescue
$500–$1,250
Initial vet visit
Health check, vaccines, microchip
$150–$300
Spay / neuter
Recommended around 6–12 months
$200–$500
Supplies (one-time)
Crate, bed, bowls, leash, collar, toys
$400–$600
Food (year 1)
Puppy food typically costs more
$324–$388.8
Training classes
Puppy classes + basic obedience
$150–$400
First year total estimate
$1,874– $3,738.8
Long-term view
| Year | Annual cost | Cumulative |
|---|---|---|
| Year 1 (puppy) | $3,374 | $3,374 |
| Year 2 | $1,974 | $5,348 |
| Year 3 | $1,974 | $7,322 |
| Year 4 | $1,974 | $9,296 |
| Year 5 | $1,974 | $11,270 |
| Year 6 | $1,974 | $13,244 |
| Year 7 | $1,974 | $15,218 |
| Year 8 | $1,974 | $17,192 |
| Year 9 (senior) | $1,974 | $19,166 |
| Year 10 (senior) | $1,974 | $21,140 |
| Year 11 (senior) | $1,974 | $23,114 |
Buy food in bulk
Save $100–300/yr
Subscribe & Save on Chewy saves 5–35% on food orders
Pet insurance
Save $0–5,000/yr
Monthly premiums of $30–80 can save thousands on unexpected vet bills
Rotate toys
Save $100–200/yr
Rotating 8–12 toys keeps novelty high without constant buying
Learn to groom
Save $200–600/yr
Basic grooming at home between professional sessions reduces costs significantly
Preventive health
Save $200–800/yr
Quality food, dental care, and exercise reduce vet costs over a lifetime
Adopt vs buy
Save $1,000–3,000
Rescue or rehoming fees are $50–500 vs $800–4,000+ from breeders
