How Much Does a Maltese Cost?
The Maltese's typical 15-year lifespan and small size both factor into its long-term cost of ownership. Expect to budget for frequent grooming sessions to keep their coat healthy and free of mats. Like most breeds, the biggest health-related costs come from preventive care and the occasional emergency vet trip. Day-to-day costs are driven mainly by food, routine vet care, and basic supplies.
Get My Personalised EstimateFirst Year Costs (inc. setup)
Annual Ongoing Costs (Year 2+)
Budget for emergencies
We recommend keeping $2,000 in a dedicated emergency fund for unexpected vet bills.
About the Maltese
The Maltese is a small-sized dog breed with an average lifespan of 15 years. First-year ownership costs typically run around $4,035, which includes the purchase or adoption fee, initial vet visits, vaccinations, starter supplies, and the first year of food, grooming, and insurance.
From year two onwards, ongoing costs average $2,195 per year. The largest recurring expense is vet care at $425/year, followed by food at $395/year. Grooming is a significant cost for this breed at $730/year, reflecting their coat maintenance requirements.
Over a 15-year lifespan, the total estimated cost of owning a Maltese is approximately $34,765. These figures are US national averages — your actual costs will vary based on your city, lifestyle, and whether you use a breeder or rescue organisation. Use our calculator above to get a personalised estimate.
How to save on Maltese costs
- →Adopt, don't shop. Rescue organisations typically charge $150–$400 compared to $730+ from breeders. Adult dogs from shelters are often already vaccinated and desexed.
- →Get pet insurance early. Malteses insured as puppies or kittens typically see lower premiums and fewer exclusions. At $470/year, insurance can save thousands on a single emergency.
- →Buy food in bulk. Premium food for a small dog costs $395/year on average. Buying 15–20kg bags and comparing brands can cut this by 20–30%.
- →Learn basic grooming. Professional grooming costs $730/year for this breed. Learning to brush and bathe at home between professional appointments can halve this cost.
- →Build an emergency fund. We recommend $2,000 in a dedicated pet savings account. A single emergency surgery can cost $3,000–$8,000 without insurance.
Frequently Asked Questions
How much does a Maltese cost?
A Maltese typically costs $4,035 in the first year, including the purchase or adoption fee ($730), initial vet visits ($425), supplies ($580), and the first year of food, grooming, and insurance. Annual ongoing costs from year two are approximately $2,195/year.
How much does a Maltese cost per month?
After the first year, a Maltese costs approximately $183/month on average. This covers food ($33/month), vet care ($35/month), grooming ($61/month), and insurance ($39/month).
Is a Maltese expensive to own?
Malteses cost approximately $2,195/year to maintain — below the US national average of around $2,600/year for dog ownership. Over their 15-year lifespan, total costs come to around $34,765.
How much does a puppy Maltese cost?
A Maltese puppy from a reputable breeder typically costs $730. Rescue or shelter adoption fees are usually $150–$400 and often include initial vaccinations and desexing. Remember the purchase price is just one part of the first-year cost of $4,035.
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