Golden Retriever vs Scottish Terrier Golden Retriever$48,931 Scottish Terrier$35,180 Difference$13,751 CheaperScottish Terrier
Head to head

Golden Retriever vs Scottish Terrier

The Scottish Terrier costs about $13,751 less over a lifetime. Almost all of that gap is vet bills, not food or grooming, which is the part most comparisons skip.

Golden Retriever
Scottish Terrier
Golden Retriever$48,931Lifetime cost
Scottish Terrier$35,180Lifetime cost
Difference$13,751Scottish Terrier is cheaper
Longer livedGolden RetrieverBy typical lifespan

Side by side

Both columns come from the same cost model, so every row is a like for like comparison.

Golden Retriever compared with Scottish Terrier
MeasureGolden RetrieverScottish Terrier
Lifetime cost$48,931$35,180
First year$7,175$5,659
Monthly average$309$231
Puppy price$1,500 to $3,500$1,200 to $2,500
Routine care, yearly$3,301$2,435
Expected health cost$0$0
Documented conditions188
Median lifespan13.2 yrs12.7 yrs
Adult weight55 to 75 lb18 to 22 lb
Daily food3.7 cups1.5 cups
Grooming, yearly$600$354
Risk profileHigh, late onsetModerate
Biggest single riskDental diseaseSkin disease

Health risks compared

What tends to go wrong in each breed, how often, and what it costs to treat.

Golden Retriever
ConditionRateCost
Dental disease70%$246–$663
Skin disease36%$252–$679
Digestive disease30%$354–$954
Musculoskeletal disease15%$281–$756
Elbow dysplasia12%$3,000–$5,000
Ear infection10%$100–$270
Anal sac impaction7%$84–$226
Autoimmune thyroiditis6%$169–$455
Skin (cutaneous) cyst3%not priced
Arthritis3%$281–$756
Lipoma3%not priced
Hypersensitivity (allergic) skin disorder3%$629–$1,694
Skin cancer/tumour3%$3,415–$9,194
Cruciate disease3%$2,468–$5,640
Acute moist dermatitis1%$252–$679
Patellar luxation1%$1,000–$5,000
Congenital heart disease0%$534–$1,438
Degenerative myelopathy0%not priced
Cancern/a$3,415–$9,194
Hip dysplasian/a$3,500–$7,000
Expected total$0
Scottish Terrier
ConditionRateCost
Skin disease36%$252–$679
Digestive disease30%$354–$954
Musculoskeletal disease15%$281–$756
Ear infection10%$100–$270
Periodontal disease9%$246–$663
Anal sac impaction7%$84–$226
Patellar luxation5%$1,000–$5,000
Autoimmune thyroiditis3%$169–$455
Expected total$0

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Both breeds carry surgical risk, and premiums are priced by breed

Expected vet costs are $0 for the Golden Retriever and $0 for the Scottish Terrier. Every policy excludes anything already diagnosed, so this is worth sorting out before you pick either dog.

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Common questions

Is a Golden Retriever or a Scottish Terrier more expensive?

The Scottish Terrier is cheaper by about $13,751 over a lifetime. Golden Retriever: $48,931. Scottish Terrier: $35,180. The gap comes mostly from health costs rather than routine care.

Which lives longer, a Golden Retriever or a Scottish Terrier?

The Golden Retriever has the longer typical lifespan. Golden Retriever: 13.2 years. Scottish Terrier: 12.7 years.

Which is healthier, a Golden Retriever or a Scottish Terrier?

Both figures below are what it costs to own the dog, not what it costs if something goes wrong. The Golden Retriever's biggest single risk is dental disease, seen in 70% of the breed. For the Scottish Terrier it is skin disease, at 36%.

How we calculated this

Both breeds run through one model, so the comparison is like for like. Full method.

Prices are US national averages from a 50-state cost study. Not veterinary advice.