How much does a dog cost? Detailed overview and sample calculation for 2024
The decision to bring a dog into the family is one of the most beautiful, but also the most responsible, decisions of all. In addition to time, attention, and love, you should clarify one of the most important questions beforehand: Can I afford a dog? In this article, you will receive a comprehensive overview of the actual costs of a dog – from purchase to ongoing and unexpected expenses. You will also find a current sample calculation for 2024 using the example of a medium-sized dog from an animal shelter in Berlin.
Why is cost planning for dog ownership so important?
Dogs are social and intelligent creatures that can accompany and enrich you for many years. However, dog ownership not only brings joy, but also regular and not inconsiderable costs. According to a study by the German Animal Welfare Association, financial overburdening and misjudgments still lead to dogs being given to animal shelters or neglected [German Animal Welfare Association, 2023]. A realistic cost calculation is therefore crucial to ensure the dog has a species-appropriate and happy life.
What factors influence dog costs?
The annual and monthly costs for a dog vary greatly from individual to individual. They depend on:
- Size and breed: Large dogs require more food, often more expensive insurance, and different equipment than small breeds.
- Age: Puppies and older dogs usually incur higher veterinary costs.
- Health status and origin: Dogs from animal shelters or breeding can have different starting costs.
- Location: Dog tax, veterinary costs, and other fees vary greatly by region.
- Personal requirements: Quality of food, grooming, dog sports, vacation care, etc.
Below, we structure dog costs into one-time, monthly, annual, and other (irregular) expenses – each with current examples and tips for realistic Planning.
One-time costs when purchasing a dog
- Purchase price or protection fee:
- A dog from an animal shelter usually costs a protection fee of around €200 to €500 (depending on the organization). This amount usually covers the costs of vaccinations, microchipping, and neutering.
- For reputable breeders, the purchase price for a puppy is usually between €1,000 and €3,000, depending on the breed, lineage, and rearing conditions. [VDH, 2023].
- Registration: In some federal states, registration of the dog in the dog registry is mandatory (e.g., Berlin, Lower Saxony). The costs are usually between €20 and €40.
- Dog License: Depending on the federal state, a dog license may be mandatory (e.g., Lower Saxony, Berlin) or offer voluntary benefits (e.g., exemption from the leash requirement). The costs are usually between €100 and €300, including training and testing. [BMEL, 2023].
Checklist of One-Time Purchase Costs
- Purchase Price/Protective Fee
- Registration Fees
- Dog License (optional/mandatory depending on the federal state)
- Initial Equipment (see Other Costs)
Ongoing Monthly Costs for a Dog
- Food: Food costs depend heavily on the dog's size, activity level, and health, as well as your quality requirements. For a medium-sized dog (approx. 15-25 kg), you can expect to spend €20 to €80 per month. Specialty food (e.g., for allergies or illnesses) can be significantly more expensive [BVET, 2023].
- Treats and chew bones: Tasty rewards and dental care snacks are a staple for many dog owners. You should budget approximately €5 to €15 per month for this.
- Grooming and grooming: Depending on the coat type, regular brushing (either by yourself or at a groomer) is sufficient. Dogs with thick coats may need a visit to the groomer every 4-8 weeks (approximately €30 to €80 per visit). For short-haired dogs, a brush and shampoo are usually sufficient (lower costs).
- Insurance:
- Pet Owner Liability Insurance: Mandatory in most federal states. Premiums usually range between €30 and €100 per year (€2.50 to €8 per month), but can vary depending on the breed and provider.
- Pet health or surgical insurance: Given increased veterinary costs (see new GOT 2022), supplementary insurance (starting at €20 per month) is recommended, especially to cover high surgical costs or chronic illnesses. [GOT, 2022].
- Cleaning supplies: Dog hair, paw prints, and minor accidents often lead to increased demand for vacuum cleaners, cleaning products, etc. Plan for approximately €1 to €5 per month.
Recommended Monthly Reserves
In addition to the fixed monthly costs, it is recommended to set aside a small amount (e.g., €20-30) per month as a reserve for unexpected expenses.
Annual Fixed Costs for a Dog
- Dog Tax: Dog tax varies depending on the federal state and municipality. In Berlin, it is currently €120 per year for the first dog. In other regions, it can be €30 to €200. There are often higher rates for listed dogs.
- Veterinary Costs: Regular health checks, vaccinations, deworming, and preventative examinations are mandatory. For a healthy, medium-sized dog, you should expect to spend an average of €100 to €200 per year. Many treatments are covered by insurance, but a co-payment often remains. [bpt, 2023].
Other (irregular) costs of dog ownership
Many expenses are not regular, but occur repeatedly throughout a dog's life. These include:
Sample calculation: How much does a dog cost in Berlin in 2024?
For better orientation Here you will find a concrete example calculation for a medium-sized, healthy dog from the animal shelter in Berlin. These values are averages and may vary depending on the dog and its lifestyle.
One-time costs
- Protection fee: €360
- Registration: €26.50
- Dog license: €200
- Total one-time fee: €586.50
Monthly costs (example)
Annual fixed costs
- Dog tax: 120 €
- Veterinarian (in addition to insurance): 50 €
- Total annual: 170 €
Other costs (example)
- Leash: 30 €
- Collar/harness: 35 €
- Dog bed: 120 €
- Food and Drinking bowl: €50 Toys: €60 Brush: €15 Dog shampoo: €8 Ear cleaner: €12 Poop bags: €9 Transport box: €230 Total other costs: €569
- Veterinary emergency reserve: at least €4,000
- Dog sitter (e.g., vacation time): €480
Summary of total costs in the first year (Example)
- One-time costs: €586.50
- Monthly costs (12 months): €1,092
- Annual costs: €170
- Other costs: €569
- + Emergency reserve: €4,000
- + Dog sitter: €480
- Total costs year 1 (without emergency reserve): €2,417.50
- With emergency reserve: €6,417.50
Note: In the second and subsequent years, the Most are one-time costs. Ongoing costs, however, remain the same and often increase with the dog's age (e.g., with rising veterinary costs).
Conclusion: Realistic cost planning is crucial
Keeping a dog is a long-term decision that requires not only love, time, and commitment, but also a solid financial foundation. Costs can vary greatly depending on lifestyle, needs, and dog. Regardless, don't skimp on the most important expenses, such as veterinary care, food quality, insurance, and species-appropriate exercise.
Research current prices for accessories, preferably in specialty stores or online shops, ask your local authority about dog tax, and contact your veterinary association for information about the current fee schedule for veterinarians (GOT).
Even though there are hardly any upper limits, all dog owners should create a solid cost plan and review it regularly. This is the only way to offer your dog a safe, healthy, and happy life – and protect yourself from unpleasant surprises.
FAQ: Frequently Asked Questions About Dog Costs
How can I save on dog costs without compromising on their health?
Compare prices for food and accessories, use bulk orders, invest in long-lasting products, and regularly check insurance offers. But never skimp on veterinary care, vaccinations, or high-quality food.
How much does a dog really cost per month?
The basic monthly costs for a medium-sized, healthy dog are realistically between €80 and €150 (without reserves for emergencies). These can rise significantly with special expenses or illnesses.
Which insurance policies are mandatory for dog owners?
Pet owner liability insurance is mandatory in most federal states. Health or surgical insurance is strongly recommended, but voluntary.
Further information and advice
- BMEL – Information on dog ownership
- German Animal Welfare Association: Pet ownership
- Fee schedule for veterinarians (GOT)
Taking on a dog is a big step. Think carefully about whether you're ready for the responsibility—and not just financially. Read our guide: Am I ready for a dog?
If you're ready, you'll find reputable and verified breeders on HonestDog. Every breeder goes through a rigorous admissions process so you can find your dream dog without worry!
Sources: German Animal Welfare Association, 2023; VDH, 2023; BMEL, 2023; BVET, 2023; bpt, 2023; ADAC, 2023