Got My Horse

Counting the Costs: A Breakdown of Horse Ownership Expenses

Cost of Horse Ownership

Horses have always been the loyal companions to human beings, but they can also be an expensive investment. From stabling, education, gear, insurance, travel, and fun, horse ownership can quickly add up to a hefty bill.

This article sheds light on the true cost of horse ownership and suggests measures to lessen the expense burden.

Breakdown of Horse Expenses

Before purchasing a horse, it’s crucial to evaluate the real cost of ownership. While horses’ purchase prices might vary, the maintenance cost remains constant.

Most horse enthusiasts estimate $3,876 as the average annual cost of owning a horse. The annual expenses are subject to location variations, nutritional value, insurance costs, and health conditions.

Stabling Fees

Stabling fees, which are highly dependent on location, account for a significant portion of expenses. Monthly stabling fees range between $250 and $2,000, with the Beverly Hills stable being the most expensive, going up to $10,000 per month.

Boarding a horse can either be full board (all-inclusive, no additional costs) or partial board, accommodating for a certain number of days. Every board will have outlined stable rules, and horse owners should adhere to them.

Health Maintenance

Another cost that cannot be ignored is the health maintenance of the horse. Dental care, vaccines, and wormers cost an average of $500 annually.

Health check-ups and veterinarian visits account for approximately $525 annually, and this price can go up depending on the horse’s health condition or any emergencies that can arise.


Horses require basic gear such as a bridle, saddle pad, saddle, and halter.

The cost of gear depends on quality; for example, a high-end saddle costs about $5,000 or more, while a cheaper model costs $1,400 and less. Beginner riders can make do with low-priced helmets, boots, and riding pants, while advanced riders might require higher-end equipment for competitions.


Insurance is always optional for horse owners but is highly recommended. Insuring your horse can cover you for liberty and limb, accident, mortality, liability, and loss of usage.

The insurance fees typically vary between 3-4% of the horse purchase price annually.

Fun Activities

Finally, let’s not forget the fun aspect of owning a horse.

Fun activities such as lessons, trail riding, and horse shows are expenses incurred as well. Lesson fees range from $35 – $100 per session, and trail rides cost an average of $30 – $50.

The different age or experience levels for horse shows make their participation fees variable as well.

September Horse Expenses

September is the beginning of the Fall season and a great month for horse enthusiasts. As summer ends, most stables might begin cutting down on their stabling prices due to their less need for measures like air conditioning.

September’s expenses revolve around education, stabling, health, gear, insurance, travel, and fun.


Investing in your riding skills is always advised.

Education expenses in September include riding lessons, clinics, and online courses.

Online courses such as 30 days to round improve riding skills, and the course fees range from $47 to $297. Riding boots are another necessary purchase for riding lessons, and the cost ranges from $50 – $500.


Stabling fees remain constant, averaging monthly rates between $300 and $750. However, September could see horse owners move their horses from one stable to another to benefit from stabling deals.


September is a critical month to ensure your horse is safeguarded against infections that arise during the Fall season.

Health-related expenses include vaccines, veterinarian visits, and wormers, which amount to approximately $200.


Most stores have sales promotions in September, causing a 5-10% reduction in gear cost. It’s recommended to take advantage of these offers during this month to save on gear expense.

The gear required depends on riding level, but necessities include a halter, lead rope, saddle, saddle pad, and bridle.


Horse insurance provides peace of mind in case of emergencies, and monthly fees typically range between 3-4% of the horse’s purchase price.


September is a great month for outdoor events that horse owners can participate in. Cross country schooling events and trail rides attract entry fees between $30 and $200, with hotels costing between $70 and $200.


Horse owners can opt for fun activities such as trail rides, horse shows, and leisure rides. The costs of these activities can vary depending on the location and conditions.

Bartering for Horse Expenses

Apart from cash payments, horse owners can also settle some expenses via barter. Barters are an excellent way to lower cash out-of-pocket burden while at the same time acquiring other services.

Horse owners can create a barter email list, the preferred barter opportunity, and engage in trade. This strategy enables them to acquire new skills that they can use during horse training, making a win-win situation for both parties.


We hope this article gave you a better insight into the costs associated with owning a horse and how you can minimize them. By evaluating the actual expenses, taking advantage of seasonal deals, and leveraging barter opportunities, you’ll cut down on the cost of equine ownership and still enjoy the benefits of horse ownership.

Keep in mind that while owning a horse may be an expensive investment, the fulfillment that comes from the friendship we have with these majestic animals can never be measured by any amount of money.

Health Expenses

As any horse owner will tell you, keeping a horse healthy is no easy feat.

Health expenses account for a considerable portion of horse ownership costs.

Common health expenses include farrier costs and medical supplies. In this article, we shall delve into the details of different health expenses, including farrier expenses and medical supplies.

Farrier Expenses

To keep your horse’s hooves in tip-top shape, you’ll need to hire a farrier. A farrier is a professional who specializes in equine hoof care, including shoeing, trimming, and balancing.

The frequency of farrier visits varies depending on the horse’s activities and health condition. On average, a horse requires a farrier visit every 6-8 weeks for shoeing or trimming, and the cost per trim/shoeing session ranges $30-$100.

However, if your horse has foot problems, expert farrier services will be required.

Medical Supplies Expenses

Medical supplies are essential in caring for a horse’s health and include anything from wound care to digestive supplements. Here are some common medical supplies and their prices:

  1. Ulcergard: Ulcergard is a supplement that aids in preventing ulcers in horses caused by stress and diet changes. The cost of ulcergard varies with the size and number of dosage syringes; a pack of six ranges from $160-$190.

  2. Vet wrap: Vet wraps are used to wrap horses’ legs to prevent swelling and support tendons and muscles.

    The protective wrap costs $1-$2 per roll.

  3. SmartPack: SmartPack creates and delivers custom horse supplement packages tailored to your horse’s needs. SmartPack’s cost can range from $25-$125, depending on the supplement package’s composition.

  4. EquiThrive Essential: EquiThrive Essential is an anti-inflammatory supplement that enhances immunity, lowers inflammation, and maintains joint health.

    The supplement’s 1.5kg container costs $125-$150.

  5. SmartDigest Ultra: SmartDigest Ultra is a digestive supplement used to enhance nutrient absorption, promote weight gain, and prevent colic. The supplement’s cost ranges from $36-$142, depending on size and composition.

Gear Expenses

A horse’s gear is essential in ensuring its comfort and performance during riding and training. Proper gear also ensures the rider’s safety by lowering the risk of injuries.

In this article, we shall explore the expenses associated with a dressage saddle, breeches, and miscellaneous gear.

Dressage Saddle Expenses

Dressage is a popular equestrian sport that requires specific gear, including a dressage saddle. The dressage saddle is necessary for the movements the rider and horse go through while participating in the competition.

Dressage saddles have different versions based on the horse’s shape and size. A dressage saddle gullet width ranges between medium, wide, and extra-wide.

Dressage saddle gullets are adjustable through a changeable gullet system or a saddle-fitting adjustment kit. Prices for dressage saddles range from $1000 to $4000.

Further, considerations need to be made when purchasing attire such as the Kerrits Arena K-Pro Breech ($89-$99) and Cool Tempo Polo ($59-$79) for wearing during competitions.

Breeches Expenses

Breeches are another essential gear needed for horse riding. Breeches are special pants that cover the rider’s leg, create friction control with the saddle, give the rider a certain look, and enhance flexibility.

K-Pro Breeches are high-performance horse riding pants made using Kerrits signature silicon carrot pattern to create a better grip on the saddle. The K-pro Breeches cost between $89-$99, available on Amazon.

Miscellaneous Gear Expenses

Other miscellaneous gear accessories you’ll need include a hay bale bag ($30-$90), an embroidered saddle pad ($50-$200), bits($100-$150), MIPS CCS helmets($275-$450), One K helmet color inserts($50-$60), and Ariat Cruiser Barn Shoes($55-$80). Therefore, it’s important to consider purchasing the necessary gear for the horse since they require specialized care.


As a horse owner, it’s essential to understand the type of medical supplies and gear required to ensure your horse’s health and guarantee maximum stability. The cost of owning a horse may appear expensive, but we can make it as affordable as possible by planning adequately.

With the summaries of expenses provided in this article, you’ll have a better understanding of the health and gear expenses involved in equine ownership.

Insurance Expenses

Horses are gentle, faithful creatures, but they can also cause harm and damage to property. As a horse owner, it is crucial to keep the horse and others around it protected.

Whether on your property or at an event, horse liability insurance ensures that you and others will be covered if anyone gets injured by your horse. This article explores two types of insurance that horse owners can consider: liability insurance and mortality and major medical insurance.

Liability Insurance Expenses

Equisure Liability is an insurance company that offers liability insurance for horse owners. This insurance protects you in case someone files a claim against you for injury or property damage caused by your horse.

Horse owners must note that liability coverage is not optional, and in most cases, it is a requirement in many boarding facilities and horse shows. Equisure Liability insurance can cost between $200 and $800 annually, dependent on coverage options, location, and risk factors.

Mortality and Major Medical Insurance Expenses

Mortality and Major Medical insurance covers veterinary expenses, including medical and surgical costs for treatment required due to accidents, injuries, or illnesses. Mortality insurance covers death caused by any natural or accidental cause, allowing the horse owner to receive compensation.

An insurer that many horse owners prefer is Berkley Mortality, offering mortality and major medical insurance coverage. Typical costs for mortality insurance range from 2.5% to 4% of your horse’s value.

The horse’s value is typically determined by its purchase price, age, breed, training, and competition history. Annual excess medical costs for major medical insurance can add an additional $500-$1000 to the annual insurance premium.

Stabling Expenses

Stabling and boarding form a significant portion of the expenses that horse owners incur. Cow horse boarding expenses and Jumping Pony boarding expenses differ based on the training or sport a horse takes part in.

Cow Horse Boarding Expenses

Cow horses are brought up and trained to respond to every request of a cowboy or farmer. Cow horse boarding facilities should have large arenas with cattle available to introduce the horse to the specifics of the sport.

Furthermore, stables should have stablehands or clinic management services to offer additional support for specialized horse training facilities. Specialized horse training facilities must have a proper fence, round pen, and stall.

On average, the cost of boarding a cow horse ranges between $500-$700 per month.

Jumping Pony Boarding Expenses

Jumping ponies are trained and bred for higher jumps in competitions, and so facilities that cater to them must meet this specific need. Jumping pony boarding facility services should include lesson system management services with flexible schedules and specialized trainers.

Amenities like indoor riding arenas, outdoor riding rings, and specialized jumps should be provided. The price for boarding jumping ponies can range anywhere between $600-$1000, mostly dependent on the owner’s requests since jumping ponies are considered high-maintenance equines.


As seen, owning a horse can be an expensive endeavor, from stabling and feeding to the additional expenses that come with training a horse. Liability insurance is a must-have for horse owners who are liable for accidents or property damage related to their horse.

Mortality and Major Medical insurance will also safeguard the horse owner’s interest in case of accidents and illnesses while providing financial support for medical and surgical bills. The costs of boarding a cow horse or jumping pony reflect the amenities, quality of care, and facilities required to train the horse best.

The prices mentioned in this article will serve as guidelines to help horse owners manage their expenses and plan for their horse’s optimal care.

Travel Expenses

Travel expenses are another important aspect of owning a horse. If you’re transporting your horse from one location to another, there are several costs to keep in mind, including mileage and fuel expenses.

This article looks at how mileage plays a significant role in horse ownership and how to manage travel expenses.

Mileage Expenses

The distance between the barn and a horse event or competition is a significant consideration for horse owners. Mileage to the barn is calculated as the total distance traveled to the barn from the horse owner’s home for any reason.

It is important to track the mileage to the barn since it can be part of your tax deductions. To calculate the mileage to the barn, the horse owner needs to know the mileage from their home to their barn, from their barn to competitions or appointments with the vet or farrier.

The IRS standard mileage rate for business miles driven in 2021 is 56 cents per mile. Therefore, it’s important to keep accurate miles records to claim tax deductions for travel expenses.

Fun Expenses

Horse riding and horse care are not just work-related expenses; people are willing to invest in the fun aspects of owning a horse. In this article, we explore how gift expenses can make a difference in horse ownership.

Gift Expenses

Horse trainers play a crucial role in horse ownership. They ensure that the horse receives the appropriate training, taking into consideration the horse’s individual abilities and the owner’s goals.

A common way to show appreciation to a horse trainer is through gifts and gratuities. Gift Cards and Vouchers are a popular gift in horse ownership, allowing the recipient to choose from a wide variety of options.

Gift cards can be given to horse trainers that would allow them to purchase riding or training gear or even pay for barn bills.

Wrapping Up

Horse ownership has many exciting aspects, from travel expenses to gift expenses. It’s important to ensure that all expenses are considered and accounted for, to avoid any unforeseen or unexpected debts that can arise.

When budgeting for travel or gifts, ensure that expenses are well monitored, and you’re getting value for your money. The guidelines in this article will help horse owners make better informed and calculated decisions as they manage the costs associated with owning and caring for a horse.

Total Expenses

Owning a horse can be a fulfilling and enriching experience, but it also comes with its financial responsibility. The expenses associated

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