#34 most affordable (out of 50 states)

Tennessee Vet Cost Affordability Score: C (1.1% of Income)

Tennessee sits near the national average. Families here face cost burdens typical of most of the country.

2% less affordable than the national average.

State Care

$700/yr

Median Income

$63,422/yr

% of Income

1.1%

nat. avg 1.1%

How the grade is calculated

We divide annual annual vet care by median household income to get the cost burden ratio. Then we compare Tennessee's ratio against the national average. Grades reflect how much more or less families pay here relative to what families pay nationally.

A+

25%+ cheaper

10–25% cheaper

0–10% cheaper

0–10% pricier

10–25% pricier

25%+ pricier

Sources: AVMA Pet Expenditure Survey 2025; U.S. Census Bureau ACS 2023 (median household income).

Tennessee vs. national average

Tennessee 1.1% of income

National average 1.1% of income

Tennessee families spend $110/year more on annual vet care than the national average ($810/yr nationally vs. $700/yr here).

Tennessee annual vet care affordability: common questions

How affordable is vet care in Tennessee?

Tennessee earns a C for vet cost affordability. Average annual vet spending is $700 — 1.1% of the state's median household income of $63,422. That's 2% above the national average burden of 1.09%.

How much does the average person spend on vet care in Tennessee?

Pet owners in Tennessee spend an average of $700/year on veterinary care (dogs and cats blended). A routine wellness exam runs $60–$80. Emergency visits can add $600–$3,000 depending on the condition.

Is pet insurance worth it in Tennessee?

In Tennessee, where annual vet costs average $700, a single emergency can easily exceed your annual premium. Basic accident and illness plans run $30–$70/month in Tennessee. If you'd struggle to cover a $1,500–$3,000 emergency out of pocket, insurance is worth it.

Why does Tennessee get a C for vet affordability?

The grade compares Tennessee's annual vet spending as a percentage of median household income against the national average of 1.09%. Tennessee's ratio of 1.1% is 2% above the national baseline. States with lower vet labor costs and real estate tend to score better.

What does this mean for your family?

The grade is based on median income. Your actual cost burden depends on your specific income and situation. Use the calculator to see your numbers.

Calculate your annual vet care

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