Australian Silky Terrier vs English Toy Terrier (Black & Tan): Full Cost Comparison
Side-by-side cost breakdown — first year, annual ongoing expenses, and lifetime totals.
Bottom line
The Australian Silky Terrier is cheaper by $45 in the first year. Over a full lifetime, the difference is $2,985.
| Cost Factor | Australian Silky Terrier | English Toy Terrier (Black & Tan) |
|---|---|---|
| Size | small | small |
| Lifespan | 17 yrs | 15 yrs |
| Adoption/Purchase fee | $295 | $275 |
| Initial vet costs | $425 | $480 |
| Annual food | $440 | $420 |
| Annual vet | $425 | $480 |
| Annual grooming | $445 | $425 |
| Annual insurance | $475 | $535 |
| First year total (est.) | $3,465 | $3,510 |
| Annual ongoing (est.) | $2,005 | $2,075 |
| Lifetime total (est.) | $35,545 | $32,560 |
Australian Silky Terrier vs English Toy Terrier (Black & Tan): which costs more?
Over a typical lifespan, owning a Australian Silky Terrier works out to roughly $35,545, while a English Toy Terrier (Black & Tan) comes to about $32,560 — a difference of $2,985 (8%). The English Toy Terrier (Black & Tan) is the more budget-friendly choice over the long run, though the gap is driven by a few specific expenses rather than across-the-board savings.
The biggest single difference is insurance: a English Toy Terrier (Black & Tan) costs about $535 a year for insurance, versus $475 for the other breed. Both are small-sized breeds, so food and supply costs are broadly comparable.
Which should you choose? If upfront budget matters most, the Australian Silky Terrier wins the first year by $45. If you're planning for the long haul, the English Toy Terrier (Black & Tan) saves about $2,985 over its lifetime. Neither breed is cheap to own, so budget for an emergency fund of at least $2,000 either way, and use the cost calculator to tailor these figures to your city and lifestyle.
Key Differences
Australian Silky Terrier
English Toy Terrier (Black & Tan)
More small-breed comparisons
Frequently asked questions
Is an Australian Silky Terrier or an English Toy Terrier (Black & Tan) cheaper to own?
The Australian Silky Terrier is cheaper in the first year ($3,465 vs $3,510). Over a full lifetime the English Toy Terrier (Black & Tan) works out cheaper overall — about $32,560 versus $35,545, a difference of roughly $2,985.
How much does an Australian Silky Terrier cost per month compared to an English Toy Terrier (Black & Tan)?
After the first year, an Australian Silky Terrier costs about $167/month in ongoing expenses, while an English Toy Terrier (Black & Tan) costs about $173/month. These figures cover food, routine vet care, grooming, insurance and supplies, based on US national averages.
What's the biggest cost difference between an Australian Silky Terrier and an English Toy Terrier (Black & Tan)?
The largest single difference is insurance: an English Toy Terrier (Black & Tan) costs about $535 a year versus $475 for the other breed. Lifespan also matters — the Australian Silky Terrier typically lives longer (17 vs 15 years), which adds more years of ongoing costs.
Do Australian Silky Terriers or English Toy Terrier (Black & Tan)s cost more at the vet?
Routine annual vet care runs about $425 for an Australian Silky Terrier and $480 for an English Toy Terrier (Black & Tan). Either way, we recommend an emergency fund of at least $2,000, since a single emergency procedure can cost several thousand dollars regardless of breed.