How much does a Bearded Collie cost per year?

After the first year, a Bearded Collie costs approximately $2,585 per year on average, covering food ($630), vet care ($485), grooming ($640), and insurance ($585).

mediumdog13 yr lifespan

How Much Does a Bearded Collie Cost?

Q: Is a Bearded Collie expensive to own?

Bearded Collies have a lifetime ownership cost of approximately $35,390 over 13 years. Annual running costs average $2,585/yr, putting them in the mid-range for annual ownership costs.

The Bearded Collie's typical 13-year lifespan and medium size both factor into its long-term cost of ownership. Like most breeds, the biggest health-related costs come from preventive care and the occasional emergency vet trip. Day-to-day costs are driven mainly by food, routine vet care, and basic supplies. Initial costs cover adoption or purchase, a first vet visit, and the basic supplies every new pet needs.

Get My Personalised Estimate

$4,370

First Year Total

inc. one-time setup

$2,585

Annual Ongoing

per year from year 2

$35,390

Lifetime Estimate

over 13 years

What these figures assume: US national average pricing, own home (no pet deposit), standard food, grooming at the breed's typical frequency, insurance and professional training included, no daycare, routine dental care only. See how this is calculated or change these assumptions.

First Year Costs (inc. setup)

Purchase / Adoption Fee

Varies by breeder vs rescue

$275

Initial Vet Visit & Vaccinations

Spay/neuter, microchip, health check

$485

Starter Supplies

Bed, crate, collar, bowls, toys

$655

Training Classes

Basic obedience recommended

$370

First Year Food

$630

First Year Vet Care

$485

First Year Grooming

$640

First Year Insurance

$585

Total$4,370

Annual Ongoing Costs (Year 2+)

Food

$630

Vet Care

$485

Grooming

$640

Pet Insurance

$585

Supplies & Toys

$170

Total$2,585

Budget for emergencies

We recommend keeping $2,500 in a dedicated emergency fund for unexpected vet bills.

About the Bearded Collie

The Bearded Collie is a medium-sized dog breed with an average lifespan of 13 years. First-year ownership costs typically run around $4,370, which includes the purchase or adoption fee, initial vet visits, vaccinations, starter supplies, and the first year of food, grooming, and insurance.

From year two onwards, ongoing costs average $2,585 per year. The largest recurring expense is food at $630/year, followed by vet care at $485/year. Grooming is a significant cost for this breed at $640/year, reflecting their coat maintenance requirements.

Over a 13-year lifespan, the total estimated cost of owning a Bearded Collie is approximately $35,390. These figures are US national averages — your actual costs will vary based on your city, lifestyle, and whether you use a breeder or rescue organisation. Use our calculator above to get a personalised estimate.

How to save on Bearded Collie costs

→Stretch the grooming interval. Grooming runs about $640 a year for this breed. Home brushing between appointments lets most owners move from monthly to quarterly visits without the coat suffering, saving roughly $192 a year.
→Insure early, before anything is pre-existing. At $585 a year, insurance is one of the larger predictable costs — but Bearded Collies insured as puppies see lower premiums and, more importantly, no pre-existing-condition exclusions. Every condition that appears before cover starts is excluded for life, which is why waiting is the expensive option.
→Do not over-buy on food. Food is a modest $630 a year for this breed. Bulk buying saves little at this volume and risks the bag going stale, so buying a quality food in sensible quantities beats chasing bulk discounts.
→Front-load training rather than fixing problems later. Professional training is budgeted at $370 for the first year. That is not the place to economise on this breed — behavioural problems in an under-trained Bearded Collie cost far more to resolve than to prevent, in trainer fees and in damage.
→Build an emergency fund. We suggest $2,500 in a dedicated pet savings account for a medium breed. A single emergency surgery runs $3,000–$8,000 without insurance, and four in five owners face an unexpected veterinary bill at some point.

Frequently Asked Questions

How much does a Bearded Collie cost?

A Bearded Collie typically costs $4,370 in the first year, including the purchase or adoption fee ($275), initial vet visits ($485), supplies ($655), and the first year of food, grooming, and insurance. Annual ongoing costs from year two are approximately $2,585/year.

How much does a Bearded Collie cost per month?

After the first year, a Bearded Collie costs approximately $215/month on average. This covers food ($53/month), vet care ($40/month), grooming ($53/month), and insurance ($49/month).

Is a Bearded Collie expensive to own?

Bearded Collies cost approximately $2,585/year to maintain — in the mid-range for annual dog ownership costs. Over their 13-year lifespan, total costs come to around $35,390.

How much does a Bearded Collie puppy cost?

A Bearded Collie puppy from a reputable breeder typically costs $275. Rescue or shelter adoption fees are usually $150–$400 and often include initial vaccinations and desexing. Remember the purchase price is just one part of the first-year cost of $4,370.