How much does it cost to own a cat in 2026?
PetCost Editorial Team · Figures cross-checked against NAPHIA, AKC and veterinary RER/MER guidance · Updated 2026-06-02
Cats are cheaper to own than most dogs, but not free. Expect $1,000–$1,900 a year once you add food, litter, vet care and insurance.
Where the money goes
A cat's recurring costs are food, litter and supplies, routine vet care, grooming (mostly for long-haired breeds) and insurance. Indoor cats live long — frequently 15–20 years — so even a modest annual cost compounds into a substantial lifetime total. Compare breeds in our cat cost sorter.
Breed matters more than people think
Hairless and long-haired breeds (Sphynx, Persian, Maine Coon) carry higher grooming or health costs, while a domestic shorthair is the budget option. Breeds prone to hypertrophic cardiomyopathy or polycystic kidney disease cost more to insure. See the cheapest cats to own.
Cat vs dog
Cats usually win on cost: smaller portions, cheaper insurance, no professional walking or daycare. The main exceptions are premium-feeding owners and high-maintenance breeds. We break down the full comparison in dog vs cat: which is cheaper to own.
FAQ
How much does a cat cost per year?
About $1,000–$1,900 a year including food, litter, vet care and insurance.
Are cats cheaper than dogs?
Usually yes — smaller food portions and lower insurance premiums make most cats cheaper than most dogs.
What is the cheapest cat to own?
A domestic shorthair — low purchase price, low grooming and generally good health.