Maltese
12–15 year lifespan · toy breed · 4–7 lbs
$37,000 – $50,500
Estimated 14-year lifetime cost of a Maltese in California, excluding insurance
For your breed and state, self-insuring is likely more cost-effective than paying premiums.
How much does a Maltese cost per year?
Annual cost breakdown for a Maltese in California. Ranges reflect typical low-to-high spending.
Get your free cost report
Enter your email and we'll send a personalized breakdown of costs for your maltese.
What health problems do Malteses have?
Breed-specific conditions your Maltese may face, ranked by expected cost impact.
Patellar Luxation
Collapsed Trachea (Tracheal Collapse)
Portosystemic Shunt (Liver Shunt)
Periodontal Disease
Progressive Retinal Atrophy (PRA)
Risk tier: low. Total expected medical cost: $500 over the breed's lifetime.
Is pet insurance worth it for a Maltese?
Over your dog's lifetime, you'll pay $5,000 in premiums. Expected uninsured medical costs: $0–$3,000.
Pets Best
- ✓ Hereditary and congenital conditions covered
- ✓ Bilateral condition coverage (both sides)
- ✓ Unlimited annual limit available
MetLife
- ✓ Hereditary and congenital conditions covered
- ✓ Bilateral condition coverage (both sides)
- ✓ Dental illness included
- ✓ Unlimited annual limit available
Trupanion
- ✓ Hereditary and congenital conditions covered
- ✓ Bilateral condition coverage (both sides)
- ✓ Unlimited annual limit available
- ✓ No orthopedic waiting period
Share your Maltese costs
Frequently asked questions
How much does a Maltese cost over its lifetime?
A Maltese costs between $37,000 and $50,500 over its 12–15 year lifespan in California. The first year typically costs around $4,550 including supplies, training, and initial vet visits.
What are the most common Maltese health problems?
The most common health issues for Malteses include Patellar Luxation, Collapsed Trachea (Tracheal Collapse), Portosystemic Shunt (Liver Shunt), and Periodontal Disease. Owners should budget for both preventive care and potential treatment costs.
Is pet insurance worth it for a Maltese?
For your breed and state, self-insuring is likely more cost-effective than paying premiums. The Maltese is a toy breed with relatively low health risks. Lower overall costs and smaller emergency bills make insurance optional for most owners.
How much does Maltese food cost per month?
Maltese food costs typically range from $19 to $39 per month, with an average of $30. Costs vary based on food quality, brand, and your dog's specific dietary needs.
How much is Maltese pet insurance per month?
Pet insurance for a Maltese costs $15–$38 per month (average $28/mo). Premiums vary by your dog's age, location, chosen deductible, and reimbursement level.
Sources
Figures on this page are modeled estimates calibrated to published benchmarks (accessed 2026-07-21). Breed characteristics follow AKC breed standards. Full formula and inputs: our methodology.
Maltese cost by state
Vet prices and insurance premiums vary widely by state. See the full Maltese cost breakdown for where you live.