For many Americans, rising housing costs not only strain their budgets, they also force heartbreaking decisions. Almost half (44.4%) of U.S. homeowners and tenants say they struggle to pay monthly housing expenses, according to a survey by the Redfin Commission.
Most households under pressure have fewer trade-offs, such as skipping out eating out (41%) and vacation (34.6%). But for some, the sacrifice has become much deeper. 4.6% of struggling homeowners and tenants said they have to give up their pets to maintain a roof above their heads.
That may sound like a small share, but given how widespread the housing struggle is, it shows that thousands of families face the choice to surrender their beloved companions simply because they are floating.
Why are people making this sacrifice?
In recent years, housing costs have risen dramatically. Median US homesell prices have risen by more than 40% prior to the pandemic, but mortgage rates have almost doubled, with typical rents asking above 22%. At the same time, I’m just starting to walk.
If a family is forced to pay rent and mortgage payments and pet-related expenses such as food, veterinary care and housing deposits, some will have a decision to say goodbye to their pet.
6 Ways to Reduce Your Pet’s Costs Now
Even a small saving can make a difference when housing costs and other everyday costs are high. These rapid adjustments can help reduce the daily costs of caring for your pet without the need for major changes or long-term planning.
Learn basic grooming skills. Instead of taking your pet to a groomer every month, you will learn how to cut nails, brush your teeth, and bathe your pet at home. Teaching yourself or taking classes can save you hundreds of dollars a year. Find affordable food options. Your pet’s diet is important, but that doesn’t mean you need to overuse it. Buying large quantities, choosing a store brand, or working with another pet owner to split up a large bag can help reduce costs without sacrificing the health of your pet. Make your own snacks and toys at home. Learn how to break your chef’s hat and apron and make a healthy treat for your pet at home. Save money from the store on expensive premium treatments and make large batches at home from pantry staples. Simple DIY toys like t-shirt ropes and homemade creakable toys can also entertain your puppy without any extra spending. Take advantage of a low-cost veterinary clinic. Many shelters, humanitarian societies, and nonprofits host free or discount events several times a year for basics like shots and microchipping. This is an affordable way to grasp preventive care. Find second-hand goods. Instead of purchasing a new wooden frame, bed, or toy, consider purchasing some of your pet supplies betrayal through community groups, thrift stores, or online marketplaces. Apply for a support program. Instead of giving up on your furry companions, find out which support programs are available. Organizations such as Redrover Relief, The Pet Fund, or Local Human Societies provide veterinary billing, medication, and even emergency boarding grants or short-term financial support.
5 future pet cost prevention tips
If you are currently in a financial location looking for ways to prepare for your basic essentials and your pets, but are looking for ways to prepare for the future, read some additional tips.
Schedule two wellness exams per year with your veterinarian. Preventive care is one of the easiest ways to reduce your pet’s costs. In the short term, scheduling a six-month exam may be more expensive, but you can pay if your veterinarian has severe health issues before it gets worse and needs more expensive care. Promotes a balanced diet and healthy exercise. While exams can cause serious problems, a balanced diet and regular exercise can help prevent health problems from occurring in the first place. I’ll save money for an emergency. Keeping a pet can be expensive, but setting $10-20 a month for a dedicated savings account can help cover the surprising costs. Pet insurance is another option, but make sure you clarify what your plan is doing and doesn’t cover it. Buy a lot of pet supplies. Whether it’s pet food, trash, or waste bags, buying a large amount of pet supplies will reduce costs. If you don’t have the available funds to buy in bulk, consider signing up for a subscription delivery that will allow you to enjoy additional discounts, even though monthly costs remain low. Invest in training early. Teaching basic obedience can prevent behavioral issues that lead to rental damages and higher costs.
Conclusion: Even if you keep your pet in your family, the budget is tight
Pets bring relationships, joy and comfort, especially during tough times. Housing costs are pushing many families to the brink of a head, but by quickly reducing costs and planning ahead for the future, you’re more likely to stay at home and have your pet on your side.
The findings come from an IPSOS survey, which was delegated to Redfin in May 2025, and were fielded to more than 4,000 US homeowners and tenants.
