As Jane pointed out where you are located can have a huge effect on costs. Clubs can run from $200/year up to $1000 or more (if you include the helper fees). Those are just the club dues.
Title the dog yourself. You will get far more satisfaction even if it takes longer. One of my club members just finally got the SchH1 on his 7.5 year old dog. That title meant far more to him than to just own a SchH3 dog.
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Vala SchH3 AWD1 FH2 CGC B/HOT, SG1 Deja IPO3 AWD1 KKL1 B/HOT, SG Elena BH AD CGC B/HOT, LB (the ugly little sable) B/HOT, Donovan IPO1 TR2 AD, and gone but not forgotten, Nike SchH1 OB1 TR3 AD CGC HOT, Treue SchH3 CD CGC HOT