Getting a pet

Before you bring your new pet home, make sure they'll suit your budget and lifestyle.

Average costs of owning a pet

According to the latest Pets in Australia survey, there are more pets than people in Australia, with a total of 31.6 million pets across 7.7 million households. As well as being a big personal commitment, our pets are also a big financial commitment, costing us more than $21 billion per year to care for.

In fact the survey found that the ongoing costs of owning a pet is the most-cited challenge of pet ownership, with 31% of respondents agreeing with this.   

In the first year, a dog will cost you around $4,000 on average, and a cat slightly less. After your first year, expect to pay up to:

• $2,520 each year for a dog
• $1,656 each year for a cat

(Source: Pets in Australia report, Animal Medicines Australia)

Consider all the costs of owning a pet. In addition to the purchase cost, the 2025 Pets in Australia report found the following average costs for dog and cat owners:

Work out what you can afford

When you're thinking about getting a pet, look at the costs over your pet's lifetime. You can use our budget planner to add up the yearly costs of having a pet to see whether you can afford it.

Save for unexpected costs

Consider more than just everyday pet expenses. If your pet gets sick or injured, costs for care could add up fast. To be prepared in case something happens, save for an emergency fund.

Find the right pet for you

Take the time to find a pet that suits your lifestyle and budget.

Research breeds before choosing a new pet. Different breeds have varying temperaments and needs. For example:

• A breed with long hair will cost you more in grooming.
• A larger dog will cost more to feed.
• Some breeds are prone to health problems that will cost you more in vet bills.

If you work long hours, a breed that gets anxious might not be happy. If you live in a small space, that may not work for one that needs lots of exercise. If your pet gets stressed, they may:

• cause damage to your place
• cost you more in dog-sitting
• cause noise problems with your landlord or neighbours

Save money on pet expenses

Here's how to cut costs while keeping your pet happy and healthy.

Keep your pet healthy

Regular exercise, a good diet and dental care are vital to your pet's health and wellbeing. These things will also save on vet bills.

Speak to your vet early if you notice a problem with your pet. This could prevent it from turning into something more serious. 

Manage vet costs

Getting regular check-ups helps to stay on top of your pet's health. But costs can add up. If you're on a tight budget, be upfront about what you can afford. Ask your vet about payment options. 

Consider lower-cost vet telehealth services instead of an in-person vet visit.

Buy in bulk, on sale or second hand

If you can afford to, it is often cheaper to buy food in bulk. Look for sales on food or other items you need. Check for loyalty discounts if you buy from the same store.

Check online marketplaces when making larger purchases such as a cat carrier or dog bed. 

DIY

If you can't take your pet with you, ask a friend to pet-sit in your home. It's cheaper than a kennel or cattery and more comfortable for your pet.

Also wash your dog yourself. Look at online videos to learn how to trim their fur and nails. They won't mind if their haircut's not perfect, and you'll save on grooming costs.

Try your hand at training your dog by researching online or joining a free class. 

Make your own toys and treats

Look online to see how to make pet toys and pet treats. Try making things for your pet from items you already have.

For example, peanut butter treats and an old blanket to tug-o-war for a dog. Or for a cat, chicken treats and an odd sock stuffed with paper to play with. 

Considering pet insurance? Learn what to look for.