DogBreedCompass
← Back to breed profileEvery breed’s cost in Chicago →

Maltese Cost in Chicago

See Maltese price across all cities →

Quick answer

What is the Maltese first year cost?

Ongoing care is $110 to $200 a month of that.

If you’re considering a Maltese in Chicago, be ready for costs that can add up quickly.

Maltese Cost in Chicago infographic

Why costs vary

Costs can spike due to emergencies, unexpected vet bills, or big-ticket items like grooming and training.

Cost summary

The Maltese cost in Chicago varies based on initial purchases, ongoing care, and unexpected expenses. Expect to budget between $1,400 and $2,300 in the first year, with monthly costs around $100 to $180.

Estimate · source: estimation · confidence: medium · updated 2026-09-05 · not a quote

First year
$1400 - $2300
Ongoing monthly
$100 - $180

First-year expenses

ItemCost range
Initial purchase (puppy/adoption fees)
Prices vary by breeder or shelter. Purebred Maltese puppies can be more expensive.
$800 - $1500

Monthly expenses

ItemCost range
Food and treats
Quality dog food is essential for your Maltese's health.
$30 - $50
Grooming
Maltese have long coats that require regular grooming to stay healthy.
$50 - $100
Pet insurance
Insurance can help cover unexpected health issues.
$30 - $60
How these numbers are estimated

Each range starts from a national baseline for this breed's size class and is then adjusted for local cost of living and veterinary pricing. The baselines, and the source each one came from, are listed on our sources page (dataset 2026.09). Two inputs, the purchase price and the emergency reserve, have no published national figure we could verify, so we leave them to you rather than invent them.

These are planning estimates, not quotes. Your own numbers will move with the individual dog, your vet and your insurer. Build a budget with your own figures.

Is pet insurance worth it?

Understanding the Maltese cost in Chicago involves knowing whether pet insurance is right for you.

When insurance makes sense

Pet insurance makes sense if you want peace of mind against high vet costs, especially with common Maltese health issues like dental disease or patellar luxation. If you have a tight budget or simply cannot afford surprise expenses, insurance can provide a safety net.

When you might skip it

You might skip insurance if you're financially stable enough to cover routine vet bills or if you've planned for emergencies. If your Maltese is healthy and you prefer to save on monthly premiums, self-insuring might be a better choice.

Ways to save without cutting essentials

Owning a Maltese in Chicago can be costly, but there are ways to save money without compromising your dog's care. Here are some practical tips to help you manage your expenses.

  • Feeding a Maltese in Chicago runs $30 to $50 a month.
  • Schedule regular vet visits and keep up with vaccinations to prevent costly health issues later.
  • Learn basic grooming techniques to maintain your Maltese’s coat at home, which can help reduce grooming costs.
  • Consider joining a local dog-sharing or walking group to minimize pet care costs while ensuring your Maltese gets enough exercise.
  • Take advantage of seasonal sales for pet supplies, including toys and health products. You can stock up and save money over time.

Hidden and underestimated costs

Owning a Maltese in Chicago can come with some hidden or underestimated costs that often catch new owners off guard. While you might budget for the basics like food and regular vet visits, there are smaller, recurring expenses that can add up quickly. For instance, grooming is essential for maintaining that beautiful, silky coat.

Unexpected vet visits

Even with routine check-ups, unexpected vet visits can arise, especially for small breeds like the Maltese. Common health issues such as dental disease or patellar luxation might require emergency attention. A surprise visit can cost you anywhere from $75 to $150, or more if treatments are needed.

You might also consider pet insurance, which can range from $30 to $60 monthly, adding to your costs.

Understanding Maltese Cost in Chicago - Unexpected vet visits
Understanding Maltese Cost in Chicago - Unexpected vet visits

Gear replacements and additional gear

Don't forget about gear replacements. Items like leashes, collars, and toys wear out and need replacing. Budget around $50 annually for these.

Additionally, you might want to invest in things like doggy daycare or pet sitters if you travel, which can add another $200 to $500 per month depending on your needs. These costs can sneak in and impact your overall Maltese monthly cost significantly.

Understanding Maltese Cost in Chicago - Gear replacements and additional gear
Understanding Maltese Cost in Chicago - Gear replacements and additional gear

Local Cost Context for Maltese in Chicago

When considering the Maltese cost in Chicago, several local factors come into play. Chicago has a higher cost of living compared to many other cities, which impacts everything from rent to dog services. For instance, pet-friendly apartments can be pricier, and you may find yourself paying more for grooming services due to the demand in urban areas.

Understanding Maltese Cost in Chicago - Local Cost Context for Maltese in Chicago
Understanding Maltese Cost in Chicago - Local Cost Context for Maltese in Chicago

Pros

  • ✓ Access to multiple veterinary clinics and pet services
  • ✓ Availability of dog parks and pet-friendly spaces
  • ✓ Vibrant pet community with events and resources

Cons

  • ! Higher rent for pet-friendly housing
  • ! Potentially elevated vet bills due to urban pricing
  • ! Limited living space may affect your dog's comfort

Managing Maltese Costs in Chicago

Sarah, a busy nurse living in Chicago, decided to bring a Maltese into her home. She found that the Maltese cost in Chicago is around $1,800 for the first year, which includes adoption fees, initial vet visits, and basic supplies. To manage her budget, she set aside $150 each month for ongoing expenses like food, grooming, and vet care, expecting to stay within the $100 to $180 range for monthly costs. However, Sarah was surprised when her Maltese, Bella, developed an ear infection just a few months after bringing her home. Despite this, Sarah learned to adjust her spending in other areas, like cutting back on takeout meals, to ensure Bella received the care she needed. Now, she feels more prepared for any future costs and advises new owners to create a flexible budget that accounts for surprises.

Key takeaway: Planning for a Maltese in Chicago requires budgeting for regular costs and unexpected vet bills. It's essential to save a little extra each month to handle surprises like health issues.

Frequently asked questions

What is the Maltese cost in Chicago?

The Maltese cost in Chicago typically ranges from $1,400 to $2,300 for the first year.

Is Maltese an expensive dog?

Maltese dogs are moderately priced compared to other breeds. While the upfront costs can be significant, their overall maintenance costs, including grooming and vet visits, are manageable for most owners.

How much does a Maltese cost monthly?

Maltese monthly costs can range from $100 to $180. This includes food, grooming, and basic supplies, along with regular vet check-ups.

How much is pet insurance for a Maltese?

This varies based on the coverage level and your location.

What are the vet bills for a Maltese in Chicago?

Maltese vet bills in Chicago can range from $300 to $600 annually.

Are there any hidden costs for owning a Maltese?

Yes, additional costs might include grooming, training classes, and dental care.

What should I budget for a Maltese in the first year?

In the first year, budgeting around $1,400 to $2,300 is advisable. This covers all initial costs, including vaccinations, food, and training.

What are the typical vet bills for a Maltese in Chicago?

This includes vaccinations, check-ups, and preventive treatments.

Is pet insurance worth it for a Maltese?

Pet insurance can be a wise investment for a Maltese, especially considering their potential health issues like dental disease and patellar luxation. It can help you manage unexpected vet bills more easily.

How much should I budget for grooming a Maltese in Chicago?

This adds up to around $600 to $1,200 annually, depending on how often you groom them.

Do Maltese dogs have special dietary needs that affect costs?

Maltese dogs can have sensitive stomachs, so you might want to invest in high-quality dog food, which can cost $40 to $80 a month. Special diets may be necessary if your dog has specific health concerns, adding to your overall monthly costs.

What additional costs should I consider when getting a Maltese?

Beyond the purchase price and regular monthly expenses, consider training classes, supplies like toys and beds, and emergency funds for unforeseen medical issues. These can add an extra $200 to $500 in the first year, making it essential to plan accordingly.

Quick answers

View more answers
Costs

What is the Maltese first year cost?

Ongoing care is $110 to $200 a month of that.

Costs

What is the Maltese monthly cost?

Plan on $110 to $200 a month for a Maltese in Chicago. Most of that is grooming, at $50 to $100.

Health

How much is pet insurance for a Maltese?

Insuring a Maltese in Chicago costs $30 to $60 a month, depending on how much of a claim you cover yourself.

Related DogBreedCompass guides

  • Maltese cost breakdown – Explore the overall expenses related to owning a Maltese in detail.
  • Maltese insurance guide – Find out more about pet insurance options for your Maltese.
  • Maltese behavior problems – Learn about common behavior problems and how to address them.
  • Maltese vs. other small breeds – See how the cost of a Maltese compares to other small breeds.
  • Maltese anxiety training – Understand the emotional needs and training for a Maltese.
  • Maltese in urban areas – Discover tips for finding a Maltese in urban settings like Chicago.

Important reminder

This guide is not medical advice. If your dog shows pain, sudden behavior change, or worsening symptoms, consult a licensed veterinarian.

Some links may be affiliate links. We may earn a commission at no extra cost to you. We only suggest products we believe are helpful for dog owners.

We research and check what we publish, but we do not warrant that any figure, date, price, or statement is accurate, complete, or current, and we accept no liability for any loss, cost, injury, or other harm arising from the use of this site. Use it as one reference among several. You remain responsible for your own decisions and for your dog's care - confirm anything that matters with a licensed veterinarian or another qualified professional before you act on it. Full disclaimer.

Get the 12-month budget for this breed in your city

One sheet with every line item, the emergency fund and when insurance pays off - unlocks on this page.

You get: 12-month budget sheet

No spam. One-click unsubscribe. See our privacy policy.

Preview page 1 before you decide.

Related guides

Cost
Maltese Cost in Jackson: First-Year & Monthly Budget thumbnail

Maltese Cost in Jackson: First-Year & Monthly Budget

CostRead guide->
Anxiety
Maltese Anxiety: Signs, Triggers & a 7-Day Plan thumbnail

Maltese Anxiety: Signs, Triggers & a 7-Day Plan

AnxietyRead guide->
Comparison
German Shorthaired Pointer vs Maltese: Size, Cost & Temperament thumbnail

German Shorthaired Pointer vs Maltese: Size, Cost & Temperament

ComparisonRead guide->
Comparison
Maltese vs Old English Sheepdog: Size, Cost & Temperament thumbnail

Maltese vs Old English Sheepdog: Size, Cost & Temperament

ComparisonRead guide->
Comparison
Maltese vs Papillon: Size, Shedding, Cost & Temperament thumbnail

Maltese vs Papillon: Size, Shedding, Cost & Temperament

ComparisonRead guide->
Problem
Maltese Separation Anxiety: Signs, Triggers & a 7-Day Plan thumbnail

Maltese Separation Anxiety: Signs, Triggers & a 7-Day Plan

ProblemRead guide->