{
  "schemaVersion": "1.0",
  "dataset": {
    "id": "https://petcostplanner.com/data/model-v1.json",
    "name": "Pet Cost Planner cost model",
    "version": "1.0.0",
    "datePublished": "2026-08-11",
    "dateModified": "2026-08-13",
    "publisher": "Pet Cost Planner",
    "geographicCoverage": "United States and District of Columbia",
    "currency": "USD",
    "methodology": "https://petcostplanner.com/methodology/",
    "documentation": "https://petcostplanner.com/data/",
    "schema": "https://petcostplanner.com/data/schema-v1.json",
    "referenceEstimates": "https://petcostplanner.com/data/reference-estimates-v1.json",
    "releaseManifest": "https://petcostplanner.com/data/latest.json",
    "license": "https://petcostplanner.com/data-license/",
    "citation": "Pet Cost Planner (2026). Pet Cost Planner cost model (Version 1.0.0). https://petcostplanner.com/methodology/",
    "disclaimer": "Educational planning estimates only. Not veterinary, financial, or insurance advice and not a provider quote."
  },
  "scope": {
    "petTypes": [
      "dog",
      "cat"
    ],
    "locations": "50 U.S. states, District of Columbia, and a U.S. average reference",
    "estimateType": "Annual predictable pet-care planning estimate in nominal U.S. dollars",
    "exclusions": [
      "Medical diagnosis",
      "Provider-level prices",
      "ZIP-level prices",
      "Breed-specific risk",
      "Future inflation",
      "Pet lifespan"
    ]
  },
  "formula": {
    "expression": "category estimate = source baseline × matching inflation factor × (state category RPP ÷ national category RPP) × applicable size factor × pet count",
    "insuranceException": "Uses the NAPHIA 2024 U.S. average premium benchmark without a state adjustment.",
    "visitorOverride": "A visitor-entered per-pet amount replaces the modeled category before pet count is applied.",
    "rounding": "Calculations retain full precision. The website rounds currency for display."
  },
  "inflationFactors": [
    {
      "key": "food",
      "value": 1.238961,
      "blsSeriesId": "CUUR0000SS61031",
      "basePeriodMean2021": 156.225,
      "comparisonPeriod": "2026-01 through 2026-06",
      "comparisonPeriodMean": 193.556
    },
    {
      "key": "goods",
      "value": 1.195634,
      "blsSeriesId": "CUUR0000SERB01",
      "basePeriodMean2021": 204.504,
      "comparisonPeriod": "2026-01 through 2026-06",
      "comparisonPeriodMean": 244.512
    },
    {
      "key": "services",
      "value": 1.325958,
      "blsSeriesId": "CUUR0000SS62053",
      "basePeriodMean2021": 210.525,
      "comparisonPeriod": "2026-01 through 2026-06",
      "comparisonPeriodMean": 279.147
    },
    {
      "key": "veterinary",
      "value": 1.421672,
      "blsSeriesId": "CUUR0000SS62054",
      "basePeriodMean2021": 288.769,
      "comparisonPeriod": "2026-01 through 2026-06",
      "comparisonPeriodMean": 410.534
    }
  ],
  "nationalRegionalPriceParity2024": {
    "goods": 99.567,
    "otherServices": 100.147
  },
  "stateRegionalPriceParities": [
    {
      "location": "U.S. average",
      "year": 2024,
      "goods": 99.567,
      "otherServices": 100.147
    },
    {
      "location": "Alabama",
      "year": 2024,
      "goods": 96.399,
      "otherServices": 96.711
    },
    {
      "location": "Alaska",
      "year": 2024,
      "goods": 106.319,
      "otherServices": 102.208
    },
    {
      "location": "Arizona",
      "year": 2024,
      "goods": 95.361,
      "otherServices": 102.808
    },
    {
      "location": "Arkansas",
      "year": 2024,
      "goods": 93.597,
      "otherServices": 95.312
    },
    {
      "location": "California",
      "year": 2024,
      "goods": 106.098,
      "otherServices": 102.591
    },
    {
      "location": "Colorado",
      "year": 2024,
      "goods": 98.727,
      "otherServices": 99.613
    },
    {
      "location": "Connecticut",
      "year": 2024,
      "goods": 97.33,
      "otherServices": 102.658
    },
    {
      "location": "Delaware",
      "year": 2024,
      "goods": 96.155,
      "otherServices": 101.235
    },
    {
      "location": "District of Columbia",
      "year": 2024,
      "goods": 106.502,
      "otherServices": 102.964
    },
    {
      "location": "Florida",
      "year": 2024,
      "goods": 98.059,
      "otherServices": 101.324
    },
    {
      "location": "Georgia",
      "year": 2024,
      "goods": 98.929,
      "otherServices": 97.343
    },
    {
      "location": "Hawaii",
      "year": 2024,
      "goods": 111.562,
      "otherServices": 102.898
    },
    {
      "location": "Idaho",
      "year": 2024,
      "goods": 96.311,
      "otherServices": 99.015
    },
    {
      "location": "Illinois",
      "year": 2024,
      "goods": 103.832,
      "otherServices": 100.156
    },
    {
      "location": "Indiana",
      "year": 2024,
      "goods": 95.509,
      "otherServices": 99.145
    },
    {
      "location": "Iowa",
      "year": 2024,
      "goods": 93.73,
      "otherServices": 92.927
    },
    {
      "location": "Kansas",
      "year": 2024,
      "goods": 94.027,
      "otherServices": 93.816
    },
    {
      "location": "Kentucky",
      "year": 2024,
      "goods": 95.967,
      "otherServices": 97.25
    },
    {
      "location": "Louisiana",
      "year": 2024,
      "goods": 93.7,
      "otherServices": 95.706
    },
    {
      "location": "Maine",
      "year": 2024,
      "goods": 97.171,
      "otherServices": 103.191
    },
    {
      "location": "Maryland",
      "year": 2024,
      "goods": 102.524,
      "otherServices": 101.596
    },
    {
      "location": "Massachusetts",
      "year": 2024,
      "goods": 98.82,
      "otherServices": 102.852
    },
    {
      "location": "Michigan",
      "year": 2024,
      "goods": 95.993,
      "otherServices": 100.933
    },
    {
      "location": "Minnesota",
      "year": 2024,
      "goods": 100.519,
      "otherServices": 100.213
    },
    {
      "location": "Mississippi",
      "year": 2024,
      "goods": 96.219,
      "otherServices": 96.09
    },
    {
      "location": "Missouri",
      "year": 2024,
      "goods": 96.299,
      "otherServices": 95.169
    },
    {
      "location": "Montana",
      "year": 2024,
      "goods": 96.006,
      "otherServices": 98.715
    },
    {
      "location": "Nebraska",
      "year": 2024,
      "goods": 94.101,
      "otherServices": 92.98
    },
    {
      "location": "Nevada",
      "year": 2024,
      "goods": 96.271,
      "otherServices": 98.744
    },
    {
      "location": "New Hampshire",
      "year": 2024,
      "goods": 98.578,
      "otherServices": 103.879
    },
    {
      "location": "New Jersey",
      "year": 2024,
      "goods": 107.066,
      "otherServices": 103.529
    },
    {
      "location": "New Mexico",
      "year": 2024,
      "goods": 96.144,
      "otherServices": 98.54
    },
    {
      "location": "New York",
      "year": 2024,
      "goods": 107.254,
      "otherServices": 104.067
    },
    {
      "location": "North Carolina",
      "year": 2024,
      "goods": 96.621,
      "otherServices": 98.186
    },
    {
      "location": "North Dakota",
      "year": 2024,
      "goods": 95.701,
      "otherServices": 91.158
    },
    {
      "location": "Ohio",
      "year": 2024,
      "goods": 93.67,
      "otherServices": 98.947
    },
    {
      "location": "Oklahoma",
      "year": 2024,
      "goods": 93.778,
      "otherServices": 95.458
    },
    {
      "location": "Oregon",
      "year": 2024,
      "goods": 105.261,
      "otherServices": 100.298
    },
    {
      "location": "Pennsylvania",
      "year": 2024,
      "goods": 99.357,
      "otherServices": 99.762
    },
    {
      "location": "Rhode Island",
      "year": 2024,
      "goods": 97.165,
      "otherServices": 102.84
    },
    {
      "location": "South Carolina",
      "year": 2024,
      "goods": 96.339,
      "otherServices": 98.284
    },
    {
      "location": "South Dakota",
      "year": 2024,
      "goods": 95.473,
      "otherServices": 91.899
    },
    {
      "location": "Tennessee",
      "year": 2024,
      "goods": 96.247,
      "otherServices": 95.142
    },
    {
      "location": "Texas",
      "year": 2024,
      "goods": 98.083,
      "otherServices": 97.081
    },
    {
      "location": "Utah",
      "year": 2024,
      "goods": 96.446,
      "otherServices": 98.959
    },
    {
      "location": "Vermont",
      "year": 2024,
      "goods": 97.274,
      "otherServices": 101.586
    },
    {
      "location": "Virginia",
      "year": 2024,
      "goods": 100.368,
      "otherServices": 100.233
    },
    {
      "location": "Washington",
      "year": 2024,
      "goods": 104.359,
      "otherServices": 103.873
    },
    {
      "location": "West Virginia",
      "year": 2024,
      "goods": 96.539,
      "otherServices": 99.94
    },
    {
      "location": "Wisconsin",
      "year": 2024,
      "goods": 94.31,
      "otherServices": 99.501
    },
    {
      "location": "Wyoming",
      "year": 2024,
      "goods": 95.368,
      "otherServices": 100.428
    }
  ],
  "careBaselines2021": {
    "dog": {
      "food": 300,
      "routineVeterinary": 225,
      "preventiveMedication": 185,
      "litter": 0,
      "toys": 37,
      "treats": 60,
      "license": 15,
      "groomingSupplies": 28,
      "boardingNight": 25,
      "professionalGrooming": 300,
      "dental": 500,
      "setupVeterinary": 620,
      "setupGoods": 210,
      "setupTraining": 200
    },
    "cat": {
      "food": 225,
      "routineVeterinary": 160,
      "preventiveMedication": 140,
      "litter": 150,
      "toys": 22,
      "treats": 36,
      "license": 15,
      "groomingSupplies": 28,
      "boardingNight": 25,
      "professionalGrooming": 0,
      "dental": 300,
      "setupVeterinary": 345,
      "setupGoods": 110,
      "setupTraining": 0
    }
  },
  "insuranceBenchmarks2024": {
    "coverageType": "Accident and illness",
    "unit": "USD per pet per year",
    "dog": 749.29,
    "cat": 386.47
  },
  "heuristics": {
    "dogSizeFactors": {
      "small": 0.78,
      "medium": 1,
      "large": 1.28
    },
    "dogSizeAppliesTo": [
      "food",
      "treats",
      "preventiveMedication"
    ],
    "professionalGroomingFactors": {
      "none": 0,
      "occasional": 0.5,
      "regular": 1
    },
    "planningRangeFactors": {
      "low": 0.85,
      "high": 1.25,
      "statisticalConfidenceInterval": false
    },
    "longTermScenario": "Repeats the current annual scenario for 1–20 years in flat dollars and adds selected setup costs once.",
    "lifeStageEffect": "Recorded as context; does not change the formula."
  },
  "sources": [
    {
      "id": "aspca-2021",
      "name": "ASPCA pet care cost table",
      "publisher": "ASPCA",
      "sourceYear": 2021,
      "url": "https://www.aspca.org/pet-care/general-pet-care/cutting-pet-care-costs",
      "usedFor": "National dog and cat care baselines",
      "retrievedDate": "2026-08-11"
    },
    {
      "id": "bls-cpi-food",
      "name": "CPI: Pet food",
      "publisher": "U.S. Bureau of Labor Statistics",
      "seriesId": "CUUR0000SS61031",
      "url": "https://data.bls.gov/timeseries/CUUR0000SS61031",
      "usedFor": "Food and treat inflation factor",
      "retrievedDate": "2026-08-11"
    },
    {
      "id": "bls-cpi-products",
      "name": "CPI: Pets, pet products and services",
      "publisher": "U.S. Bureau of Labor Statistics",
      "seriesId": "CUUR0000SERB01",
      "url": "https://data.bls.gov/timeseries/CUUR0000SERB01",
      "usedFor": "Products and supplies inflation factor",
      "retrievedDate": "2026-08-11"
    },
    {
      "id": "bls-cpi-services",
      "name": "CPI: Pet services including grooming",
      "publisher": "U.S. Bureau of Labor Statistics",
      "seriesId": "CUUR0000SS62053",
      "url": "https://data.bls.gov/timeseries/CUUR0000SS62053",
      "usedFor": "Pet service inflation factor",
      "retrievedDate": "2026-08-11"
    },
    {
      "id": "bls-cpi-veterinary",
      "name": "CPI: Veterinary services",
      "publisher": "U.S. Bureau of Labor Statistics",
      "seriesId": "CUUR0000SS62054",
      "url": "https://data.bls.gov/timeseries/CUUR0000SS62054",
      "usedFor": "Veterinary service inflation factor",
      "retrievedDate": "2026-08-11"
    },
    {
      "id": "bea-rpp-2024",
      "name": "Regional Price Parities by State and Metro Area",
      "publisher": "U.S. Bureau of Economic Analysis",
      "sourceYear": 2024,
      "releaseDate": "2026-02-19",
      "url": "https://www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area",
      "usedFor": "State goods and other-services price factors",
      "retrievedDate": "2026-08-11"
    },
    {
      "id": "naphia-soi-2025",
      "name": "2025 State of the Industry report highlights",
      "publisher": "North American Pet Health Insurance Association",
      "benchmarkYear": 2024,
      "url": "https://naphia.org/news/naphia-news/soi-report-2025/",
      "usedFor": "U.S. average accident-and-illness insurance premiums",
      "retrievedDate": "2026-08-11"
    }
  ]
}