The 10 Most Economical Dog Breeds That Are Cheap to Maintain & 5 That Require a Fortune
Bringing a dog into your life is one of the most rewarding decisions you can make—but it’s also one that comes with a price tag. And we’re not just talking about adoption or breeder fees.
From vet visits and food to grooming and unexpected health issues, the cost of dog ownership can sneak up on you faster than your pup can shred a new pair of slippers.
Some breeds are low-maintenance superheroes, perfectly suited for pet parents who want companionship without constantly reaching for their wallet.
These economical breeds are known for their robust health, minimal grooming needs, and modest appetites. They’re not just easier on your schedule—they’re easier on your savings account, too.
Perfect for budget-conscious families, first-time dog owners, or anyone who’d rather spend their extra cash on treats and toys instead of surprise vet bills.
On the other end of the leash, however, are the divas of the dog world—those lovable but high-maintenance breeds that might as well come with their own financial advisor.
Whether it’s due to chronic health issues, intensive grooming routines, or massive appetites, these breeds require serious dedication and even more serious dollars.
They’re worth every penny for the right owner, but it’s important to know what you’re getting into.
Whether you’re looking for a furry friend that won’t break the bank or you’re curious about which breeds come with VIP-level upkeep, we’ve got you covered.
Here’s a breakdown of the 10 cheapest dog breeds to own, followed by 5 that could drain your bank account faster than you can say “Fetch.”
1. Beagle
Beagles are a dream for budget-conscious dog lovers. Their short coat means minimal grooming costs, and their generally good health keeps vet bills on the lower end.
They thrive on simple food and regular exercise, without needing any costly upkeep.
These compact hounds are full of energy and love companionship. As long as you provide them with mental stimulation and room to sniff around, they’re as low-maintenance as it gets.
Just keep an eye on their noses—they tend to follow scents, sometimes right into mischief!
2. Chihuahua
When you’ve got a dog that weighs under 7 pounds, your food bill instantly shrinks. Chihuahuas are famously tiny eaters, and their grooming needs are minimal, especially for short-haired varieties.
They’re also long-lived and relatively healthy, which means fewer expensive trips to the vet. With proper care, a Chihuahua can be your thrifty little companion for over 15 years. Just make sure they’re kept warm—these petite pups hate the cold!
3. Dachshund
These charming “wiener dogs” pack a lot of personality into a small, budget-friendly package.
Their short coat requires little maintenance, and their size keeps feeding costs low. They’re also known for being generally hardy when kept at a healthy weight.
However, their long backs can lead to spinal issues if they’re allowed to jump off furniture or gain too much weight. With proper precautions, a Dachshund can be an affordable and affectionate family pet for years.
4. Boston Terrier
Boston Terriers are well-suited for cost-conscious owners. Their short, smooth coat requires minimal grooming, and they don’t need a lot of space or specialized diets to stay happy and healthy.
These adaptable dogs are known for their gentle nature and easygoing temperament.
They’re also typically free of major health issues, especially when sourced from responsible breeders. Regular exercise and some basic toys are all it takes to keep them thriving.
5. Mutt (Mixed Breed)
Mixed breed dogs—or mutts—are often healthier than their purebred counterparts thanks to their diverse genetics. This means fewer inherited health issues and lower vet bills over time. They’re also usually less expensive to adopt.
Because their traits vary widely, you can find a mutt that perfectly suits your budget and lifestyle.
Whether you want a low-energy couch potato or an active hiking buddy, there’s a lovable mixed breed out there for you—and one that won’t cost you a fortune to care for.
6. Border Collie
You might think their high energy comes with high costs, but Border Collies are surprisingly budget-friendly.
Their coat needs moderate grooming, and they’re typically very healthy and long-lived. Most of their needs can be met with time and exercise, not money.
They’re one of the most intelligent dog breeds, which means they train easily and respond well to structure. As long as you can provide mental stimulation and space to run, they’ll thrive on a modest budget.
7. Fox Terrier
This spunky little breed has a big personality and a surprisingly low price tag. Fox Terriers are small, so they don’t eat much, and their coat is easy to care for with occasional brushing.
They’re also a generally healthy breed, which helps avoid frequent vet bills. These energetic dogs love to play and explore, and their minimal grooming needs make them one of the more cost-effective choices for active families or singles.
8. Greyhound
Despite their racing past, Greyhounds are shockingly chill and easy to maintain. They have short, thin coats that require almost no grooming and minimal shedding.
Plus, they’re couch potatoes indoors, so they don’t need elaborate setups or pricey dog gear.
They’re also one of the healthiest large breeds, especially retired racers. Greyhounds eat less than other dogs their size and have fewer joint issues due to their lean frame. Gentle, calm, and frugal—what’s not to love?
9. Labrador Retriever
Labs may be medium-to-large dogs, but they’re relatively affordable in the long run. They have short coats that are easy to care for, and with responsible breeding, they’re less prone to costly health conditions.
They’re highly trainable and food-motivated, so obedience doesn’t require a professional trainer.
With a solid diet, regular exercise, and a few vet check-ups, a Labrador can be a low-maintenance family favorite that won’t eat through your savings.
10. Rat Terrier
Rat Terriers are rugged, resilient, and refreshingly cheap to care for. They don’t need a lot of food or grooming, and they’re incredibly healthy when given regular exercise and a balanced diet.
Originally bred for farm work and pest control, they’re tough little dogs with big energy and even bigger hearts. Affordable to feed, easy to train, and great watchdogs, they’re one of the best low-cost breeds out there.
While these breeds prove that dog ownership doesn’t have to break the bank, there are also some beloved pups that come with a hefty price tag—and they’re not shy about it.
11. English Bulldog
As lovable as they are, English Bulldogs are notoriously expensive to maintain. They suffer from chronic health problems—especially respiratory and joint issues—that require frequent (and costly) vet visits.
They also need special diets, skin care routines, and temperature-controlled environments due to their sensitivity to heat. Their wrinkles may be adorable, but keeping them clean isn’t cheap.
Expect to shell out serious cash over this breed’s relatively short lifespan.
12. Tibetan Mastiff
Massive and majestic, the Tibetan Mastiff is not a budget-friendly breed. They require tons of high-quality food, and their thick coats demand regular grooming—preferably by a professional.
Their stubborn nature means training can be a challenge, and they’re prone to orthopedic issues. This breed is best suited to experienced owners with the time, space, and financial flexibility to handle their unique needs.
13. Samoyed
With their beautiful white coats and warm personalities, Samoyeds steal hearts—and wallets. Grooming is intensive, with daily brushing required to avoid mats and costly visits to groomers for proper upkeep.
They’re also prone to hip dysplasia and other genetic issues, making vet costs a concern. Add in their need for cold climates and active lifestyles, and you’ve got a fluffy money pit on four legs.
14. Great Dane
Owning a Great Dane is like feeding a small horse. Their food bills are massive, and their sheer size means everything from crates to vet meds comes at a premium.
They’re also susceptible to bloat and cardiac problems, which can mean emergency surgeries or specialized care. Despite their gentle nature, Great Danes come with heavyweight expenses that can easily overwhelm an unprepared owner.
15. French Bulldog
French Bulldogs are cute, compact, and incredibly high-maintenance. They suffer from breathing problems due to their flat faces, skin allergies, and spine issues—all of which can require expensive, ongoing veterinary care.
They’re also expensive to buy, with many being bred via artificial insemination and C-section deliveries. Add in insurance, medication, and the possibility of surgery, and this little dog might cost more than a big one.
