10 Dog Breeds That Outlive the Average Owner—But Come With Hidden Costs

September 18, 2025

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Many people dream of owning a dog that sticks around for decades, offering companionship well into old age. Some breeds are known for their extraordinary longevity, sometimes living past 20 years. While this may sound like a dream come true, these long-living pups often come with hidden costs. From specialized diets to frequent vet bills, the financial side of pet ownership can surprise even experienced dog owners. Here are 10 dog breeds that often outlive expectations, but not without their challenges.

1. Chihuahua: The Tiny Survivor

Chihuahuas are one of the longest-living breeds, often reaching 15 to 20 years. Their small size means fewer joint issues, but they are prone to dental problems that require regular care. Owners also face expenses for fragile bones and potential heart conditions. Despite their size, they carry big personalities that demand attention and training. Keeping a Chihuahua healthy long-term means consistent vet visits and specialized dental cleanings.

2. Dachshund: The Long-Backed Companion

Dachshunds can live up to 16 years, but their unique body shape brings costly challenges. Back problems are common, and surgeries for slipped discs can run into thousands of dollars. Preventive care, like ramps and joint supplements, is essential to keep them mobile. These dogs are lively and playful but require careful handling. Owning a Dachshund often means balancing joy with medical vigilance.

3. Toy Poodle: The Low-Shed Senior

Toy Poodles often surpass 18 years when cared for properly. They’re intelligent and affectionate, but their grooming costs add up quickly. Regular haircuts, dental work, and potential eye issues can drive up lifetime expenses. Many owners underestimate how much professional grooming is required. While they may save on allergy concerns, the price tag for their upkeep stays high.

4. Jack Russell Terrier: The Energizer Dog

Known for their boundless energy, Jack Russells often live between 14 and 18 years. Their athleticism is a blessing and a curse. Injuries are common, especially for active dogs. These dogs thrive with constant activity, which means owners spend on toys, agility classes, and sturdy fencing. Behavioral training is also essential to prevent destructive habits. Owning a Jack Russell requires both financial and time investments.

5. Shih Tzu: The Regal Long-Liver

Shih Tzus regularly reach 16 years or more, making them a favorite for longevity. Their flat faces, however, mean breathing problems and potential surgeries. Grooming needs are also extensive, requiring frequent trims and coat care. Eye infections and dental disease are additional hidden costs. Despite the expenses, Shih Tzus reward owners with years of loyal companionship.

6. Beagle: The Howling Senior

Beagles often live up to 15 years, but their health concerns can be expensive. Ear infections are common due to their floppy ears, and obesity is a frequent issue. Regular vet visits, specialized diets, and exercise routines help keep them healthy. These dogs also require patience when it comes to training, which may lead to obedience class costs. Their cheerful personalities make the investment worthwhile for many families.

7. Lhasa Apso: The Watchful Ancient Breed

The Lhasa Apso can live 16 to 20 years, outlasting many larger breeds. They’re resilient but prone to skin and eye issues that rack up veterinary bills. Like other long-haired breeds, their grooming needs are constant and costly. They also tend to be stubborn, sometimes requiring professional training. Owning one is a commitment to both time and money.

8. Papillon: The Delicate Butterfly Dog

Papillons, named for their butterfly-shaped ears, frequently live past 15 years. They are generally healthy but may suffer from dental disease and a luxating patella. Both conditions require ongoing treatment and, in some cases, expensive surgery. Their fine coats also require maintenance to prevent matting. Despite their costs, Papillons offer lively companionship well into their later years.

9. Yorkshire Terrier: The Spirited Senior

Yorkies are known to live up to 17 years when properly cared for. Their small mouths make dental disease a near certainty, requiring frequent cleanings. They also need grooming every few weeks, adding to lifetime costs. Some suffer from hypoglycemia and collapsed trachea, both requiring ongoing treatment. Even with these challenges, Yorkies remain one of the most beloved small breeds.

10. Maltese: The White-Coated Wonder

Maltese dogs often live 15 to 18 years, earning them a reputation for longevity. Their stunning coats require constant grooming and professional care. Eye staining and tear duct issues are common hidden costs. Dental disease is another frequent battle, often requiring costly vet procedures. The payoff is a sweet and loyal companion that stands by your side for decades.

A Long Life Isn’t Always a Cheap Life

While long-lived dog breeds bring joy and extended companionship, they also come with hidden financial obligations. Extended lifespans mean more years of vet bills, grooming appointments, and specialized diets. Prospective owners must weigh both the benefits and costs before committing. Dogs that outlive the average lifespan reward their families with love, but only when properly cared for.

Would you be willing to take on these costs for a chance at two decades of loyalty? Share your thoughts in the comments below.