I have a similarly sized dog (schnauzer mix, 18 pounds) and i pay around $10/month for food. I pay around $25/month for flea/tick and heartworm prevention. But i tend to buy the latter in bulk, so i could spend $150+ in one trip and be covered for most of the year.
My suggestion to new pet owners is to save up a few grand. No joke. It's better to have MORE than you need, as opposed to less. And if you don't have constant, consistent income... don't get a dog.
- The dog itself is going to be around $100 (shelter rescue) to well over $800 (reputable breeder - do research to figure out how to spot good breeders from bad ones!) That's a good chunk of change right there.
- You're looking at $200+ in initial supplies, $50+ for first vet check, and i would be safe to say $50+ per month for food/prevention/treats.
- General yearly medical care for non-emergencies (shots, minor illness/injury) can run $500+.
- Emergencies can run $500 in one go. Some insurances are picky and may not cover certain things. I never bothered with insurance so i couldn't tell you anything else.
- Grooming for this dog will likely be $30+ every 8 to 10 weeks. Then you have to consider that this dog will need boarded for vacations (or may require more $$ on your part if the dog comes with you). This dog may need training classes. You may opt to do day care. Etc, etc.