Havanese vs Rat Terrier Cost Comparison 2026
Havanese costs $1,590/yr vs $1,120/yr for Rat Terrier. Over a lifetime: $26,550 vs $19,320. Here's where the money goes.
Havanese
$26,550
lifetime (15 yrs)
Lifetime Difference
$7,230
Rat Terrier costs less
Rat Terrier
$19,320
lifetime (16 yrs)
Cost Breakdown
| Category | Havanese | Rat Terrier | Winner |
|---|---|---|---|
| Purchase Price | $1,000–$2,500 | $300–$800 | Rat Terrier |
| Annual Food | $240 | $200 | Rat Terrier |
| Routine Vet Care | $430 | $380 | Rat Terrier |
| Grooming | $360 | $40 | Rat Terrier |
| Pet Insurance | $22–$48/mo | $18–$42/mo | Rat Terrier |
| Supplies & Training | $240 | $220 | Rat Terrier |
| Total Annual Cost | $1,590 | $1,120 | Rat Terrier |
| Lifetime Cost | $26,550 | $19,320 | Rat Terrier |
Havanese Cost Profile
- Size
- small
- Lifespan
- 15 years
- Purchase Price
- $1,000–$2,500
- Annual Cost
- $1,590/yr
- Lifetime Total
- $26,550
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 $470/yr less than Havanese ($1,120 vs $1,590). Over a lifetime, that gap compounds to a $7,230 difference.