Bringing a dog into your life can be one of the most rewarding experiences — full of love, laughter, and loyal companionship. But being a pet parent is also a significant responsibility that comes with long-term commitments and expenses. Before you head to a shelter or breeder, it’s essential to ask yourself: what should I know before getting a dog?

This guide will walk you through the things to consider before getting a dog, with a strong focus on the financial aspects. From the cost of a dog to the ongoing cost of owning a dog, we’ll cover everything you need to make an informed decision.

Things to Consider Before Getting a Dog

While dogs bring joy into our homes, they also require time, money, and lifestyle adjustments. Before welcoming a new companion, think through these important considerations:

1. Time Commitment

Dogs thrive on routine and companionship. They require daily exercise, training, feeding, and affection. Puppies, in particular, need round-the-clock care, including housebreaking and socialization. Consider:

• Do you have the time for walks, play, training, and grooming?
• Can you provide companionship during the day, or will your dog be alone for long hours?

2. Lifestyle Compatibility

Not all dogs suit all lifestyles. Your activity level, living space, and daily routine should align with the dog’s needs.

• Are you looking for a jogging partner or a couch companion?
• Do you live in an apartment or have a fenced yard?
• Do you have other pets or small children that the dog needs to get along with?
• Is anyone in the home allergic to pet dander?

3. Long-Term Commitment

Dogs aren’t a short-term project. They live 10 to 20 years depending on the breed. Ask yourself:

• Where do you see yourself in the next decade? Will your dog still fit into that future?
• Are you prepared to care for a dog through different life stages — from playful puppyhood to slower senior years?

4. Pet-Friendly Housing

Housing restrictions can limit your options.

• Do you rent? Make sure your lease allows dogs (and check breed or size restrictions).
• Planning to move in the future? Consider how easily you’ll be able to find pet-friendly housing again.
• Does your HOA or community have any pet rules?

5. Travel and Social Life

Owning a dog will impact your freedom and spontaneity.

• How often do you travel? Will you take your dog with you or need a sitter/boarding?
• Are your favorite weekend activities dog-friendly?
• Do you have a reliable support system (friends, family, neighbors) who can help in a pinch?

6. Training and Behavior

Every dog requires some level of training — from basic obedience to house manners.

• Are you patient and consistent enough to handle training?
• Are you prepared for the time and potential cost of professional help for behavioral issues?
• Can you commit to positive reinforcement rather than punishment-based methods?

7. Health and Veterinary Needs

Dogs need regular vet checkups, vaccines, and preventive care to stay healthy.

• Are you prepared for the costs of annual exams, flea/tick prevention, dental care, and potential emergencies?
• Will you pursue pet insurance or create a savings buffer for unexpected issues?

8. Emotional and Mental Commitment

Dogs are deeply social creatures that bond closely with their humans.

• Are you ready to emotionally invest in a being that depends on you completely?
• Can you handle the inevitable challenges — illness, aging, and eventual loss — with compassion and responsibility?

9. Financial Readiness

Beyond upfront and monthly costs, dogs come with hidden and emergency expenses.

• Can you comfortably absorb both routine and surprise costs without financial strain?
• Are you prepared to invest in quality food, grooming, training, and pet insurance?

10. Support System

Having help can make dog ownership much more manageable.

• Do you have family or friends who are comfortable watching your dog?
• Is your workplace pet-friendly or flexible for midday breaks?

How Much Does a Dog Cost?

One of the biggest questions prospective pet parents ask is: how much does a dog cost? The answer depends on where you get your dog, their size and breed, and the quality of care you plan to provide.

Here’s a breakdown of initial and ongoing costs to consider, but I can tell you from experience to plan for higher.

Initial Costs of Getting a Dog

If you adopt from a shelter or rescue, some of these services (like microchipping, spaying/neutering, and vaccines) may be included in the adoption fee.

Cost of Spaying/Neutering a Dog

The cost of spaying/neutering a dog depends on your location, the dog’s size, and the veterinary clinic. On average:

• Spaying (female dogs): $200–$600

• Neutering (male dogs): $100–$300

Low-cost clinics and shelters often provide affordable options, sometimes as low as $50. Spaying or neutering is typically a one-time cost and helps prevent health and behavior issues in the long run.

Ongoing Costs of Owning a Dog

Now let’s dive into the cost of owning a dog on an annual basis.

Total annual cost of owning a dog:
➡️ Ranges from $1,200 to $4,000+ depending on your dog’s needs and your lifestyle.

To give you a bit more insight, here’s some of the annual costs we have to care for Ruby.

• We have Spot Insurance and we pay $125/month have their highest coverage plan ($100,000) for any emergencies that may arise because we say “yes” to everything when it comes to diagnosing and caring for her.
• A mobile groomer comes to our house and we pay $160 every 6 weeks for her to get a bath and haircut. This price is pretty comparable to the brick and mortar groomer we used to go to.
• Food has always been on the high end for us. We started Rue on a fresh food diet when she was 2 and once she turned 4 and developed protein allergies I took on homecooking her meals to better control the ingredients. She eats some exotic meat, like goat and antelope, that can cost $15-$20/lb.
• Rue developed GI issues when she was 4 as well so we spend more on vet care by seeing a holistic vet that provides supplements, acupuncture, microbiome testing, etc. to help maintain her health. We spent $5,000 just on diagnosising her IBD back in 2020.

Cost of Boarding a Dog

When you travel and can’t take your pup with you, boarding becomes a necessity. The cost of boarding a dog varies by location, kennel type, and amenities.

Frequent travelers should budget accordingly or consider investing in a trusted pet sitter, friend, or family member who can help with dog care.

Hidden or Unexpected Dog Costs

While the basics are easy to plan for, it’s important to leave room in your budget for surprise expenses.

Emergency Vet Visits

Accidents and illnesses happen. Emergency vet visits can range from $300 to $3,000+, depending on the situation. Pet insurance or a dedicated savings account can help offset this risk.

Behavioral Training

If your dog develops anxiety, aggression, or destructive behaviors, professional help may be needed. Behavioral consultations can cost $100–$300 per session.

Home Repairs

Dogs — especially puppies — may chew furniture, scratch doors, or have accidents. Budget for potential damage or consider training and dog-proofing measures early on.

Breed-Specific Medical Needs

Some breeds are prone to health conditions that require lifelong medication or specialized treatment. Do your research and consider breed-specific health risks.

Financial Tips for Future Dog Owners

If you’re serious about dog ownership, here are some tips to help you prepare financially:

1. Create a pet budget: Start putting money aside each month for future pet expenses, even before you adopt.

2. Research pet insurance: It can significantly reduce unexpected vet bills and is best purchased while your dog is young. I highly recommend signing up before you even get your puppy – that way the 30-day wait period is up when you bring your puppy home and there’s no room for any pre-existing conditions to be flagged.

3. Shop smart: Buy food and supplies in bulk, look for sales, and use loyalty programs at pet stores.

4. Use preventative care: Keeping up with vaccines, dental hygiene, and flea prevention can avoid costly emergencies.

5. Adopt wisely and Research Breeders: Shelters often include spay/neuter, vaccinations, and a vet exam in the adoption fee, saving you money upfront. There are so many people that are dog breeders these days and many that are doodle breeders where there are no regulations in place. Do your homework and ask a lot of questions.

Is Getting a Dog Worth the Cost?

While the cost of a dog can seem high, many pet parents agree that the joy, companionship, and emotional benefits far outweigh the expenses. Dogs can help reduce stress, improve heart health, and provide a sense of purpose.

That said, the decision to get a dog should never be impulsive. The best dog-parent relationships are built on preparation, commitment, and a genuine willingness to put your pet’s needs first.

What to Know Before Getting a Dog

Let’s recap the most important things to consider before getting a dog:

• Dogs require time, attention, and consistent care

• Your lifestyle, home, and travel habits may need to adapt

• The cost of owning a dog can exceed $1,000–$4,000 annually

• You should budget for initial expenses, ongoing care, and emergencies

• Choosing the right breed (or mix) for your lifestyle is key

• Adoption is a lifelong commitment — not a temporary decision

By thinking through these factors and preparing accordingly, you’ll be in the best position to give your future dog the loving, secure home they deserve.