How much does it cost to buy a cat

The initial cost of acquiring a cat can vary dramatically, from a modest adoption fee to thousands of pounds for a pedigree breed. The price depends entirely on where you get your cat from.

●      Rescue cats: Adopting a cat from a reputable shelter like the RSPCA, Cats Protection, or a local rescue is often the most affordable and rewarding option. Adoption fees typically range from £50 to £150. This fee usually covers initial vet checks, first vaccinations, microchipping, and neutering, which would cost significantly more if paid for separately.

●      Registered breeders: If you have your heart set on a specific pedigree breed, you'll need to go to a registered breeder. Prices for kittens can range from £300 to over £4,500, depending on the breed's rarity, lineage, and the breeder's reputation. Popular breeds like Bengals or Maine Coons often fall in the higher end of this range. Always ensure your breeder is reputable and prioritises the health and welfare of their animals.

●      Buying from online sellers: Purchasing a cat online from websites like Pets4Homes can be a more affordable option, often costing significantly less than buying from a breeder. However, this approach carries risks, such as limited knowledge about the cat’s health, history, or behaviour. There is also potential for misleading information, so it’s crucial to ask questions and ensure the seller is trustworthy.

●      Pet shops: An amendment made to the Animal Welfare Regulations that came into effect in 2020 called Lucy’s Law banned selling kittens and puppies in pet shops to try and combat the issue of puppy and kitten farming across the UK.

Deciding on the right cat involves more than just picking the cutest one. You need to also consider your budget, lifestyle, and home environment.

Pedigree cats are often sought after for their distinct looks and predictable temperaments. For example, a relaxed British Shorthair might be the perfect fit for a quiet apartment, while an energetic Bengal would need plenty of space to explore. These breeds come with a high price tag and can sometimes be prone to specific genetic health issues, which might lead to higher insurance premiums and vet bills.

Moggies (non-pedigree cats) from rescue shelters are a fantastic choice. They are far less expensive to acquire and often have "hybrid vigour," meaning their mixed genetic background can make them less susceptible to certain hereditary diseases. You can find cats of all ages, personalities, and coat colours in rescue centres, so you can easily find one that feels just right for you there, as well.

●      What is my budget for the initial purchase? Can you afford a pedigree, or is a rescue adoption fee more realistic?

●      How much space do I have? An active breed needs room to roam, while a more docile cat will be happy in a smaller flat.

●      How much time can I dedicate to grooming? Long-haired breeds like Persians require daily grooming, whereas short-haired cats need minimal upkeep.

●      What is my family dynamic? Do you need a cat that is patient with children, or do you live in a quiet, adult-only household?

Once you've chosen your cat, you'll need to prepare your home. These initial setup costs can add up, so it's important to budget for them ahead of time.

Here’s a checklist of essential items and their estimated costs:

Total Estimated Setup Cost: £82 - £277

Added costs will include microchipping, neutering and vaccinations, which can range from being included in an adoption fee if you rescue or if you buy a cat, can reach an extra few hundred pounds. Shopping for all these essentials is part of the fun. You can find a wide range of cat supplies to suit any budget and style, from basic necessities to luxury items.

The costs don't end once you bring your new pet home. Being a good pet parent and caring for them is a long-term financial commitment.

Here is a breakdown of typical monthly costs:

●      Cat food: This is one of the biggest recurring expenses. The cost for cat food typically ranges from £20 to £40 per month, depending on whether you choose wet, dry, or raw food and the quality of the brand.

●      Cat litter: You'll need a constant supply of cat litter. Expect to spend £10-£20 per month. Clumping and non-clumping litters vary in price and how often they need to be fully replaced.

●      Flea and worming treatments: Preventative healthcare is vital. Budget around £10-£15 per month for regular flea and worming treatments to keep your cat and home pest-free.

●      Pet Insurance: This is highly recommended to cover unexpected accidents or illnesses. Policies can vary widely, but a good starting budget is £5-£30 per month. Insurance can save you from facing thousands of pounds in vet bills for emergencies.

Total Estimated Monthly Cost: £45-£105

Annual costs to consider include vet check-ups (£30-£50) and vaccinations (£40-£80). You may also need to pay for a cattery or pet sitter if you go on holiday, which can cost £10-£25 per day unless you have family and friends to rely on. Don't forget to replace worn-out items like cat toys and bedding.

So, after reviewing the costs, the big question remains: "should I get a cat?" A cat can live for 15-20 years, making this a significant long-term commitment. Before making your final decision, take an honest look at your finances.

Can you comfortably afford the estimated £45-£105 per month? Do you have savings for unexpected vet emergencies if you choose not to get insurance? If your financial situation is tight, it might be wise to wait until you are more secure. Rushing into pet ownership without being financially prepared can lead to stress for both you and your cat.

Few things are as rewarding as welcoming a cat into your home and into your life, but it's a decision that requires careful financial planning. From the initial purchase price to a lifetime of food, litter, and vet care, the costs do add up. By understanding and budgeting for these expenses, you can make sure you're ready to give your new feline companion the loving and stable home they deserve, not just now but in the long run.

If you're ready to take the plunge, browse our full range of cat and kitten supplies to find everything you need to get started.