Maltese Shih Tzu Price in Australia 2026 — what you'll actually pay

By Dogthings Editorial · Updated 2026-05-13

Affiliate disclosure: Some links on this page earn us a commission at no extra cost to you. We only recommend products and services we'd use with our own dogs.

Affectionate designer lap dog that genuinely suits apartment living. In 2026, a Maltese Shih Tzu from a reputable Australian breeder ranges $1,500–$3,500 (median around $2,500). That's the headline — but the price of the puppy is usually the smallest cheque you'll write for this breed. Brachycephalic dogs like the Maltese Shih Tzu carry meaningfully higher insurance premiums and a real chance of surgical airway costs that dwarf the breeder fee.

Inside the Maltese Shih Tzu price range

The $1,500–$3,500 range looks wide because it is. A Maltese Shih Tzu bought near the bottom of the range is most likely a pet-quality puppy from a smaller breeder with shorter wait-lists, or an interstate pickup where buyers haven't bid the price up. At the top end you're paying for established kennels with multi-generation health testing, in-demand colour variants, or a Sydney/Melbourne metro premium.

Three sliders move the price within the range:

• Breeder reputation: ANKC-registered breeders charge $1,500–$4,000 more than backyard sellers but deliver health-tested parents, contractual guarantees, and lifetime support. For a Maltese Shih Tzu prone to dental disease, that premium pays for itself the first time a claim happens.
• Where you live: Sydney and Melbourne consistently command the highest prices for Maltese Shih Tzus — local demand outstrips local supply, and interstate transport adds $400–$900.
• Pedigree: Show-line or proven working-line Maltese Shih Tzus sit at the top of the range. Pet-quality dogs (perfectly healthy, just not show-standard) sit at the bottom and are the better choice for most owners.

Adoption is the meaningful alternative: AU rescues and breed-specific rehoming groups rarely see Maltese Shih Tzus — the breed isn't common enough in Australia to surface regularly. Set a Google alert on breed-specific Facebook groups if you'd rather rescue. Adoption fees are typically $400–$900 inclusive of vet work.

Hidden costs every Maltese Shih Tzu owner gets caught by

Beyond the puppy fee, three areas reliably catch new Maltese Shih Tzu owners off-guard:

• Dental disease. Dental cleaning under GA is $600–$1,200, and most small-breed dogs need it 2–3 times in their life. Extraction-heavy cleans add $400–$900 each.
• Patellar luxation. Patellar luxation surgery is $2,500–$4,500 per knee. Most cases are unilateral; grade 1–2 cases can often be managed conservatively.
• Portosystemic shunt (rare). Specialist work-up and treatment for this condition typically runs $800–$3,000 over the dog's life, with insurance covering 70–80% once excess is met.

Brachycephalic premium loading. Every major AU insurer adds a premium loading for flat-faced breeds because BOAS, dental crowding, and heat stroke claims are far more common than in the general population. Expect 30–60% higher monthly premiums than a similar-sized non-brachycephalic dog. Bow Wow Meow tends to apply the smallest loading; PetSure-backed policies the largest. We cover this in detail in our Knose vs Bow Wow Meow comparison.

First-year Maltese Shih Tzu costs, line by line

Here's what a realistic first 12 months with a Maltese Shih Tzu looks like, sourced from current AU breeder, vet, and insurer quotes:

Adding it up over a Maltese Shih Tzu's lifetime

Over an average Maltese Shih Tzu lifespan of 14 years, total cost of ownership lands between $27,000 and $61,000. The lower number assumes value-brand food, self-insurance (you bank what you'd pay in premiums and accept catastrophic-cost risk), and a healthy dog. The upper number assumes premium subscription food, comprehensive insurance with a low excess, and one or two major-claim events you wouldn't have absorbed without cover.

For most owners the realistic midpoint is around $44,000. Where you sit inside that range is largely controlled by two decisions: insurance choice and food choice.

Insurance for a Maltese Shih Tzu — what to look for

Dental disease and luxating patella claims dominate. Mid-range premiums.

The single most-leveraged decision is whether to insure at puppy stage versus after a first vet event. Pre-existing exclusions are permanent under every AU policy — once your Maltese Shih Tzu has a dental disease on the vet record, no insurer will cover it later. A $50/month puppy-stage policy that locks cover in before any condition is diagnosed is dramatically more valuable than a $90/month senior-onboarded policy with exclusions stacked on.

Food picks for a Maltese Shih Tzu — and what they actually cost

The Maltese Shih Tzu's long, low-shed coat and low-energy metabolism shape the food bracket that works best. Editor picks for this breed:

• Hill's Science Diet Small Paws
• Royal Canin Mini Adult
• Ivory Coat Small Breed

A toy breed eating ~136g/day of premium dry costs roughly $35 – $60/month at retail. Pet Circle's autoship discount (5–10% off + free shipping over $49) takes that to the lower end of the range. Subscription brands like Petzyo sit at the upper end but bundle delivery + cancel-anytime convenience.

Where Maltese Shih Tzu owners actually save money

• Insure early. A 12-week-old Maltese Shih Tzu insured before any vet event locks lifetime cover with no exclusions on dental disease. Waiting until "after the first emergency" guarantees that emergency becomes a permanent pre-existing exclusion.
• Buy parasite prevention from a pharmacy, not the retail vet. VetSupply and chemist retailers stock NexGard, Bravecto, Simparica at 30–50% below clinic prices. For a toy dog that's $80–$240/year saved with zero quality compromise.
• Skip routine-care add-ons. Most insurers' routine care modules barely pay back the premium you put in. Bank the equivalent monthly into a dedicated vet fund instead.
• Use council registration discounts. Desexed dogs get 50–70% off council fees in every state. See your state's fee schedule.
• Stay on top of dental. A $600 prophylactic dental clean at age 5 prevents a $1,400 extraction-heavy dental at age 8. Small breeds reward owners who budget for proactive dentals.
• Adoption is genuinely available. The Maltese Shih Tzu isn't a high-demand breed in AU — rescues, council pounds, and ex-breeder rehoming all surface Maltese Shih Tzus regularly. Total cost of acquisition can land under $700 including vet work.

Maltese Shih Tzu cost questions, answered

Related reading

• Maltese Shih Tzu full breed guide — temperament, training, health
• First-year dog budget Australia
• Best pet insurance Australia 2026
• Council fees and dog rules by state