Dogs can be your best friend but also a burden once the costs start piling up. 

A dog can be a serious expense and commitment, but there are ways that you can reduce costs associated with owning one. The first thing you could do is pay special attention to the dog breed you’re going to pick. The cost of buying a dog can differ greatly depending on the breed, but certain breeds will end up costing you more in the long run in terms of maintenance, healthcare, and time spent on training, among other things. Here are some of the best dog breeds that you might not necessarily have considered before for people on a limited budget.

Jack Russell

Jack Russells are not only a cheap breed to own but one of the cheapest to insure as well. These dogs won’t cost you much in damage either since they tend to be well-behaved. They also need very little maintenance.

There are also very few chances that your dog will fall to a mysterious illness either. Jack Russells have a very diverse gene pool, so there is much less chance that they’ll have hereditary issues.

Black & Tan Coonhound

Black & Tan Coonhounds are an American breed and have low maintenance costs. They cost very little to groom, and they also have a naturally happy and non-destructive temperament.

Yorkshire Terrier

This is a great dog if you want one that will be durable and hardy. These are also some of the cheapest dogs to insure. Yorkshire Terriers have a past as hard workers, and this is now engraved in the DNA. This means that you’ll be able to enjoy their company for years to come. They also tend to be very small, so you’ll be able to save on visits to the vet since smaller dogs are usually cheaper to treat.  You might need to have their fur trimmed from time to time, however.

Miniature Pinscher

A pure-bred Miniature Pinscher is a beautiful dog, and they have many virtues to recommend them. First, they have a life expectancy at about 13 years, so you’ll have plenty of time with them. They also only weigh about 10 pounds on average and have very small appetites, so you can expect to save on food as well.


As a cute and well-tempered breed of pet, Dachshunds are one of the most popular dogs at the dog park and will have no trouble making tons of friends. They also have an average lifespan at around 13 years. These also cost less to treat and feed due to their small size. The average Dachshund weighs 15 to 30 pounds, so expect to make huge savings on food.


Beagles can be considered to be very low maintenance dogs. Their coat makes them easier to groom, and you can easily do it yourself without having to pay professionals. They also have a much higher life expectancy than your average big dog at around 10 to 15 years.

However, know that you will have to invest in good dog insurance if you’re going to get a Beagle. These dogs can get struck with different illnesses like chronic ear infections and hip dysplasia. Insurers like Everypaw offers different sorts of dog coverage. You can get coverage for lifetime conditions that will allow you to save on recurrent treatments and cut the cost of owning a dog like a Beagle, or any dog that is notorious for coming down with chronic illnesses. If you want to learn more about how dog insurance works and look at some of their plans, you can visit

Australian Terrier

That’s the third Terrier on this list, and the Australian Terrier carries a lot of the traits that make them a generally low-cost breed to own. Just like his two cousins, the Australian Terrier is tiny at around 10 pounds and won’t cost you much for food. They’re also blessed with the great health and hardiness, characteristic of terriers.

These terriers can, however, have genetic issues as they grow, though they usually get to live up to the 12 to 16-year mark. They’re not high maintenance by any means, but you will still need to brush or have them brushed regularly to reduce the chance of matting.

Pembroke Welsh Corgi

These are a personal favourite of the Royal Family as we have seen from Queen Elizabeth II, but they’re not only for the monarchy. As a matter of fact, this is one of the most economical dogs to own over a whole lifespan.

As a smaller dog, Corgis will consume less food and, as previously mentioned, cost less for treatments, as well as taking up less space and needing smaller equipment. However, know that these have a tendency to get hit with a variety of breed-specific issues like degenerative myelopathy, which affects their spinal cord. While these can cut their lifetime short, they still get to live up to 15 years and more on average.


All these dogs will be easy on your wallet and won’t end up costing you tons of money over their lifetime. Make sure that you give all of these a second look and choose the one that will fit your budget, lifestyle, and needs.

Image by Hany Sadek from Pixabay