Pet Ownership Cost Calculator
Estimate what a dog or cat costs each month, each year and over its life, from food, vet care, insurance, grooming and supplies. Pick your state to scale the amounts to its prices; the table below compares every state.
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Additional Details
Monthly Pet Cost
Estimated • Based on your inputs
Annual Pet Cost
$2,160.00
Est. Lifetime Cost
$26,420.00
Detailed Breakdown
Disclaimer: This calculator provides estimates for informational purposes only. Results should not be considered financial, tax, or legal advice. Consult a qualified professional for your specific situation.
How this calculator works
Food and insurance are your monthly amounts times twelve, and vet care is your yearly amount; each is multiplied by a size factor (0.8 small, 1.0 medium, 1.3 large). Grooming ($300 a year for a dog, $100 for a cat) and supplies ($250 and $150) are planning amounts at the U.S. average, scaled by the cost-of-living index and the size factor. The lifetime cost is one year times 12 years for a dog or 15 for a cat, plus first-year adoption and setup ($500 for a dog, $200 for a cat, scaled by the index). These are planning estimates, not quotes: enter your own food, vet and insurance amounts for your pet.
Source: ASPCA, AVMA; Missouri Economic Research and Information Center (MERIC) — C2ER Cost of Living Index, Q2 2026 for the state scaling checked
Pet costs by state
Computed with the calculator above for a medium-sized pet, using each state's Q2 2026 cost-of-living index to scale the U.S.-average amounts (food $60/month, vet $350/year, insurance $45/month at index 100).
| State | Cost-of-living index | Dog per year | Large dog per year | Cat per year | Dog over 12 years |
|---|---|---|---|---|---|
| Alabama | 86 | $1,866 | $2,425 | $1,608 | $22,822 |
| Alaska | 124.5 | $2,693 | $3,502 | $2,320 | $32,939 |
| Arizona | 108.6 | $2,345 | $3,049 | $2,020 | $28,683 |
| Arkansas | 89 | $1,918 | $2,493 | $1,651 | $23,461 |
| California | 140.3 | $3,027 | $3,934 | $2,605 | $37,026 |
| Colorado | 102.7 | $2,220 | $2,887 | $1,912 | $27,154 |
| Connecticut | 103.6 | $2,241 | $2,913 | $1,930 | $27,410 |
| Delaware | 100.6 | $2,166 | $2,815 | $1,864 | $26,495 |
| Florida | 100.8 | $2,167 | $2,818 | $1,865 | $26,508 |
| Georgia | 90.1 | $1,950 | $2,536 | $1,680 | $23,850 |
| Hawaii | 185.8 | $4,012 | $5,216 | $3,455 | $49,073 |
| Idaho | 99.4 | $2,155 | $2,801 | $1,856 | $26,357 |
| Illinois | 94.5 | $2,051 | $2,666 | $1,768 | $25,085 |
| Indiana | 89.7 | $1,935 | $2,516 | $1,667 | $23,669 |
| Iowa | 86.1 | $1,866 | $2,426 | $1,608 | $22,823 |
| Kansas | 87.1 | $1,876 | $2,439 | $1,615 | $22,948 |
| Kentucky | 94 | $2,022 | $2,630 | $1,740 | $24,734 |
| Louisiana | 91.3 | $1,974 | $2,567 | $1,700 | $24,144 |
| Maine | 112.9 | $2,444 | $3,178 | $2,105 | $29,893 |
| Maryland | 118.8 | $2,557 | $3,325 | $2,201 | $31,278 |
| Massachusetts | 148.1 | $3,204 | $4,165 | $2,760 | $39,188 |
| Michigan | 92.1 | $1,980 | $2,575 | $1,704 | $24,220 |
| Minnesota | 93.4 | $2,017 | $2,622 | $1,736 | $24,671 |
| Mississippi | 87.4 | $1,879 | $2,442 | $1,616 | $22,985 |
| Missouri | 88.2 | $1,911 | $2,484 | $1,645 | $23,373 |
| Montana | 106 | $2,298 | $2,987 | $1,980 | $28,106 |
| Nebraska | 90.1 | $1,950 | $2,536 | $1,680 | $23,850 |
| Nevada | 105.4 | $2,269 | $2,950 | $1,952 | $27,755 |
| New Hampshire | 108.5 | $2,345 | $3,048 | $2,020 | $28,683 |
| New Jersey | 119.2 | $2,585 | $3,359 | $2,227 | $31,616 |
| New Mexico | 90.2 | $1,953 | $2,538 | $1,681 | $23,887 |
| New York | 132.6 | $2,873 | $3,735 | $2,476 | $35,139 |
| North Carolina | 96.7 | $2,094 | $2,721 | $1,804 | $25,612 |
| North Dakota | 90.5 | $1,955 | $2,541 | $1,684 | $23,913 |
| Ohio | 93 | $2,014 | $2,618 | $1,735 | $24,633 |
| Oklahoma | 83 | $1,792 | $2,329 | $1,543 | $21,919 |
| Oregon | 110.4 | $2,385 | $3,102 | $2,054 | $29,172 |
| Pennsylvania | 95.3 | $2,058 | $2,676 | $1,772 | $25,173 |
| Rhode Island | 110.9 | $2,402 | $3,122 | $2,069 | $29,379 |
| South Carolina | 92.7 | $2,010 | $2,613 | $1,732 | $24,584 |
| South Dakota | 93.5 | $2,018 | $2,623 | $1,737 | $24,684 |
| Tennessee | 89.7 | $1,935 | $2,516 | $1,667 | $23,669 |
| Texas | 90.8 | $1,957 | $2,544 | $1,685 | $23,938 |
| Utah | 98.4 | $2,121 | $2,757 | $1,826 | $25,944 |
| Vermont | 113.4 | $2,449 | $3,184 | $2,108 | $29,955 |
| Virginia | 99 | $2,140 | $2,781 | $1,843 | $26,175 |
| Washington | 115.1 | $2,488 | $3,234 | $2,143 | $30,432 |
| West Virginia | 87 | $1,876 | $2,438 | $1,615 | $22,947 |
| Wisconsin | 95.7 | $2,061 | $2,680 | $1,775 | $25,211 |
| Wyoming | 94.4 | $2,037 | $2,648 | $1,754 | $24,916 |
Index: Missouri Economic Research and Information Center (MERIC) — C2ER Cost of Living Index, Q2 2026 (100 = U.S. average). The amounts are planning estimates scaled to each state's overall prices, not surveyed pet prices; vet, food and insurance quotes near you can differ.
Frequently Asked Questions
How much does a dog cost per year?
At this calculator's U.S.-average amounts a medium dog costs about $2,160 a year ($180 a month): $720 food, $350 vet care, $540 insurance, $300 grooming and $250 supplies. A large dog adds 30% to each line.
How much does a cat cost per year?
About $1,860 a year at the U.S.-average amounts, $155 a month, and about $28,100 over a 15-year life including first-year setup. Grooming and supplies cost less than for a dog.
Do pets cost more in some states?
Yes, as far as local prices go. Scaled by each state's Q2 2026 cost-of-living index, a medium dog runs from about $1,792 a year in Oklahoma (index 83) to about $4,012 in Hawaii (index 185.8). Every state is in the table below.
All Calculators
Alabama Pet Ownership Cost Calculator
Calculate pet ownership costs in Alabama. Estimated annual dog cost ~$1,290, cat ~$860. Food, vet, insurance, grooming by state.
Alaska Pet Ownership Cost Calculator
Calculate pet ownership costs in Alaska. Estimated annual dog cost ~$1,868, cat ~$1,245. Food, vet, insurance, grooming by state.
Arizona Pet Ownership Cost Calculator
Calculate pet ownership costs in Arizona. Estimated annual dog cost ~$1,629, cat ~$1,086. Food, vet, insurance, grooming by state.
California Pet Ownership Cost Calculator
Calculate pet ownership costs in California. Estimated annual dog cost ~$2,105, cat ~$1,403. Food, vet, insurance, grooming by state.
Colorado Pet Ownership Cost Calculator
Calculate pet ownership costs in Colorado. Estimated annual dog cost ~$1,541, cat ~$1,027. Food, vet, insurance, grooming by state.
Delaware Pet Ownership Cost Calculator
Calculate pet ownership costs in Delaware. Estimated annual dog cost ~$1,509, cat ~$1,006. Food, vet, insurance, grooming by state.
Hawaii Pet Ownership Cost Calculator
Calculate pet ownership costs in Hawaii. Estimated annual dog cost ~$2,787, cat ~$1,858. Food, vet, insurance, grooming by state.
Idaho Pet Ownership Cost Calculator
Calculate pet ownership costs in Idaho. Estimated annual dog cost ~$1,491, cat ~$994. Food, vet, insurance, grooming by state.
Illinois Pet Ownership Cost Calculator
Calculate pet ownership costs in Illinois. Estimated annual dog cost ~$1,418, cat ~$945. Food, vet, insurance, grooming by state.
Indiana Pet Ownership Cost Calculator
Calculate pet ownership costs in Indiana. Estimated annual dog cost ~$1,346, cat ~$897. Food, vet, insurance, grooming by state.
Iowa Pet Ownership Cost Calculator
Calculate pet ownership costs in Iowa. Estimated annual dog cost ~$1,291, cat ~$861. Food, vet, insurance, grooming by state.
Kentucky Pet Ownership Cost Calculator
Calculate pet ownership costs in Kentucky. Estimated annual dog cost ~$1,410, cat ~$940. Food, vet, insurance, grooming by state.
Louisiana Pet Ownership Cost Calculator
Calculate pet ownership costs in Louisiana. Estimated annual dog cost ~$1,370, cat ~$913. Food, vet, insurance, grooming by state.
Maryland Pet Ownership Cost Calculator
Calculate pet ownership costs in Maryland. Estimated annual dog cost ~$1,782, cat ~$1,188. Food, vet, insurance, grooming by state.
Massachusetts Pet Ownership Cost Calculator
Calculate pet ownership costs in Massachusetts. Estimated annual dog cost ~$2,222, cat ~$1,481. Food, vet, insurance, grooming by state.
Michigan Pet Ownership Cost Calculator
Calculate pet ownership costs in Michigan. Estimated annual dog cost ~$1,382, cat ~$921. Food, vet, insurance, grooming by state.
Minnesota Pet Ownership Cost Calculator
Calculate pet ownership costs in Minnesota. Estimated annual dog cost ~$1,401, cat ~$934. Food, vet, insurance, grooming by state.
Mississippi Pet Ownership Cost Calculator
Calculate pet ownership costs in Mississippi. Estimated annual dog cost ~$1,311, cat ~$874. Food, vet, insurance, grooming by state.
Missouri Pet Ownership Cost Calculator
Calculate pet ownership costs in Missouri. Estimated annual dog cost ~$1,323, cat ~$882. Food, vet, insurance, grooming by state.
Montana Pet Ownership Cost Calculator
Calculate pet ownership costs in Montana. Estimated annual dog cost ~$1,590, cat ~$1,060. Food, vet, insurance, grooming by state.
Nebraska Pet Ownership Cost Calculator
Calculate pet ownership costs in Nebraska. Estimated annual dog cost ~$1,352, cat ~$901. Food, vet, insurance, grooming by state.
Nevada Pet Ownership Cost Calculator
Calculate pet ownership costs in Nevada. Estimated annual dog cost ~$1,581, cat ~$1,054. Food, vet, insurance, grooming by state.
New Hampshire Pet Ownership Cost Calculator
Calculate pet ownership costs in New Hampshire. Estimated annual dog cost ~$1,628, cat ~$1,085. Food, vet, insurance, grooming by state.
New Jersey Pet Ownership Cost Calculator
Calculate pet ownership costs in New Jersey. Estimated annual dog cost ~$1,788, cat ~$1,192. Food, vet, insurance, grooming by state.
New York Pet Ownership Cost Calculator
Calculate pet ownership costs in New York. Estimated annual dog cost ~$1,989, cat ~$1,326. Food, vet, insurance, grooming by state.
North Carolina Pet Ownership Cost Calculator
Calculate pet ownership costs in North Carolina. Estimated annual dog cost ~$1,451, cat ~$967. Food, vet, insurance, grooming by state.
Ohio Pet Ownership Cost Calculator
Calculate pet ownership costs in Ohio. Estimated annual dog cost ~$1,395, cat ~$930. Food, vet, insurance, grooming by state.
Oregon Pet Ownership Cost Calculator
Calculate pet ownership costs in Oregon. Estimated annual dog cost ~$1,656, cat ~$1,104. Food, vet, insurance, grooming by state.
Pennsylvania Pet Ownership Cost Calculator
Calculate pet ownership costs in Pennsylvania. Estimated annual dog cost ~$1,430, cat ~$953. Food, vet, insurance, grooming by state.
Rhode Island Pet Ownership Cost Calculator
Calculate pet ownership costs in Rhode Island. Estimated annual dog cost ~$1,664, cat ~$1,109. Food, vet, insurance, grooming by state.
South Carolina Pet Ownership Cost Calculator
Calculate pet ownership costs in South Carolina. Estimated annual dog cost ~$1,391, cat ~$927. Food, vet, insurance, grooming by state.
South Dakota Pet Ownership Cost Calculator
Calculate pet ownership costs in South Dakota. Estimated annual dog cost ~$1,403, cat ~$935. Food, vet, insurance, grooming by state.
Texas Pet Ownership Cost Calculator
Calculate pet ownership costs in Texas. Estimated annual dog cost ~$1,362, cat ~$908. Food, vet, insurance, grooming by state.
Utah Pet Ownership Cost Calculator
Calculate pet ownership costs in Utah. Estimated annual dog cost ~$1,476, cat ~$984. Food, vet, insurance, grooming by state.
Vermont Pet Ownership Cost Calculator
Calculate pet ownership costs in Vermont. Estimated annual dog cost ~$1,701, cat ~$1,134. Food, vet, insurance, grooming by state.
Virginia Pet Ownership Cost Calculator
Calculate pet ownership costs in Virginia. Estimated annual dog cost ~$1,485, cat ~$990. Food, vet, insurance, grooming by state.
West Virginia Pet Ownership Cost Calculator
Calculate pet ownership costs in West Virginia. Estimated annual dog cost ~$1,305, cat ~$870. Food, vet, insurance, grooming by state.
Wisconsin Pet Ownership Cost Calculator
Calculate pet ownership costs in Wisconsin. Estimated annual dog cost ~$1,436, cat ~$957. Food, vet, insurance, grooming by state.