Collie vs Rat Terrier Cost Comparison 2026
Collie costs $2,010/yr vs $1,120/yr for Rat Terrier. Over a lifetime: $28,630 vs $19,320. Here's where the money goes.
Collie
$28,630
lifetime (13 yrs)
Lifetime Difference
$9,310
Rat Terrier costs less
Rat Terrier
$19,320
lifetime (16 yrs)
Cost Breakdown
| Category | Collie | Rat Terrier | Winner |
|---|---|---|---|
| Purchase Price | $800–$2,000 | $300–$800 | Rat Terrier |
| Annual Food | $600 | $200 | Rat Terrier |
| Routine Vet Care | $480 | $380 | Rat Terrier |
| Grooming | $180 | $40 | Rat Terrier |
| Pet Insurance | $28–$55/mo | $18–$42/mo | Rat Terrier |
| Supplies & Training | $350 | $220 | Rat Terrier |
| Total Annual Cost | $2,010 | $1,120 | Rat Terrier |
| Lifetime Cost | $28,630 | $19,320 | Rat Terrier |
Collie Cost Profile
- Size
- large
- Lifespan
- 13 years
- Purchase Price
- $800–$2,000
- Annual Cost
- $2,010/yr
- Lifetime Total
- $28,630
Rat Terrier Cost Profile
- Size
- small
- Lifespan
- 16 years
- Purchase Price
- $300–$800
- Annual Cost
- $1,120/yr
- Lifetime Total
- $19,320
Bottom Line
Rat Terrier costs $890/yr less than Collie ($1,120 vs $2,010). Over a lifetime, that gap compounds to a $9,310 difference.