Rising Housing Costs Force Some Americans to Give Up Pets: Here’s How to Save Money and Keep Your Pet

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By Jeremy Steckler
Originally Published on the Redfin blog

For many Americans, rising housing costs aren’t just straining budgets – they’re forcing heartbreaking decisions. Nearly half of U.S. homeowners and renters (44.4%) say they struggle to afford their monthly housing costs, according to a Redfin-commissioned survey.

Most households under pressure are making smaller trade-offs, like eating out less (41%) or skipping vacations (34.6%). But for some, the sacrifices cut much deeper: 4.6% of struggling homeowners and renters said they’ve had to give up their pets in order to keep a roof over their heads.

That may sound like a small share, but given how widespread housing struggles are, it represents thousands of families facing the choice of surrendering a beloved companion just to stay afloat.

Why people are making this sacrifice

Housing costs have risen dramatically in recent years. The median U.S. home-sale price is up more than 40% since before the pandemic, mortgage rates have nearly doubled, and the typical asking rent has jumped over 22%. At the same time, incomes have only just started to keep pace.
When families are forced to choose between paying for rent or a mortgage and covering pet-related expenses – like food, vet care, or housing deposits – some end up making the decision to part ways with their pets.

6 ways to lower pet expenses right now

When housing costs or other everyday expenses are high, even small savings can make a difference. These quick adjustments can help lower the day-to-day costs of caring for your pet without requiring big changes or long-term planning.

1. Learn basic grooming skills. Instead of taking your pet to the groomer every 1-2 months, learn how to clip nails, brush teeth, and bathe your pet at home. By teaching yourself or taking a class, you can save hundreds of dollars a year.

2. Look for affordable food options. Your pet’s diet is important, but that doesn’t mean you need to overspend. Buying in bulk, choosing store brands, or teaming up with another pet owner to split larger bags can help cut costs without sacrificing your pet’s health.

3. Make your own treats and toys at home. Break out your chef hat and apron and learn how to make healthy treats for your pets at home. Save on costly premium treats from the store, and make a big batch at home from pantry staples. Simple DIY toys, like a T-shirt rope or homemade squeaky toy, can also entertain pups without any extra spending.

4. Take advantage of low-cost vet clinics. Many shelters, humane societies, and nonprofits host free or discounted events several times a year for basics like shots and microchipping – an affordable way to stay on top of preventative care.

5. Look for secondhand supplies. Instead of buying new crates, beds, or toys, look into purchasing some of your pet supplies secondhand through community groups, thrift stores, or online marketplaces.

6. Apply for assistance programs. Instead of giving up your furry companion, look into what assistance programs are available. Organizations like RedRover Relief, The Pet Fund, or local humane societies offer grants or short-term financial help with vet bills, medication, or even emergency boarding.

5 preventative tips to lower future pet costs

If you are in a place financially where you can currently afford your basic necessities and your pet but are looking for ways to prepare for the future, read on for some additional tips.

1. Schedule twice-a-year wellness exams with your vet. Preventative care is one of the easiest ways to lower your pet expenses. Though it may be more costly in the short run to schedule biannual exams, it could pay for itself should the vet catch any serious health issues before they get worse and require more expensive care.

2. Promote a balanced diet and healthy exercise. Although exams can catch serious issues as they arise, a balanced diet and regular exercise can help prevent health issues from occurring in the first place.

3. Set aside money for emergencies. Having a pet can be expensive, but setting aside even $10–$20 a month in a dedicated savings account can help cover surprise expenses. Pet insurance is another option, too, but make sure you’re clear on what your plan does and does not cover.

4. Buy pet supplies in bulk. Whether it’s pet food, litter, or waste bags, purchasing pet supplies in bulk can help bring costs down. If you don’t have the available funds to purchase in bulk, consider signing up for subscription deliveries where your monthly costs can stay low but you’ll still take advantage of additional discounts.

5. Invest in training early. Teaching basic obedience can prevent behavior issues that lead to damage fees in rentals or higher costs later on.

The bottom line: keeping pets in the family, even on a tight budget

Pets bring companionship, joy, and comfort – especially during tough times. While housing costs are pushing many families to the brink, making immediate changes to cut expenses and planning ahead for the future can improve your chances of staying in your home and keeping your pet by your side.


Survey results are from a Redfin-commissioned Ipsos survey, May 2025, fielded to more than 4,000 U.S. homeowners and renters.

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