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Cost of Owning a Horse: April 2022 Expense Report

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Written by Horse Rookie

How much do horses cost? Here’s my answer for April.

These reports are intended to be a tool for horse enthusiasts who are considering buying (or leasing) a horse and want a transparent look at the real cost of horse ownership.

(If you’re new to these expense reports, make sure to read the “reminders” section here for background on my finances.)

Here’s the recap of where my horse funds went for April:

  • 1% Education
  • 27% Stabling
  • 44% Health
  • 19% Gear
  • 4% Insurance
  • 4% Travel
  • 1% Fun

Remember that if you’re not exploring barter opportunities, you need to start! Sign up for our email list to get 7 ways to trade for horse expenses and lower your cash out-of-pocket burden.

Cost of Owning a Horse This Month

$30 // Education

  • $140 – Lessons (Bartered down to $0)
  • $140 – Warwick Schiller Clinic Deposit + 1 Month Video Subscription
  • ($-250) – Jumping Clinic Refund

If you’re taking lessons (or about to start), check out our 13 best horseback riding boots for lessons.

$1,688.96 // Health

  • $155 – Equiwinner Electrolyte Balancing Patches
  • $215 – Farrier (shoeing and trimming)
  • $650 – Hock Injections (rein cow horse)
  • $460 – Vax Day (two horses)
  • $46.67 – SmartPak – EquiThrive Essential (cow horse)
  • $46.39 – SmartPak – SmartDigest Ultra (cow horse)
  • $46.96 – SmartPak – SmartDigest Ultra (pony)
  • $36.95 – SmartPak – Leg Up (pony)

$734.90 // Gear

  • $32.95 – Oval link loop gag
  • $13 – Sale kerrits neck warmer
  • $35 – Sale kerrits black boots shirt
  • $80 – Sale espoir shirt
  • $36 – Sale replacement gloves
  • $28 – Sale dog collar
  • $35 – Sale consignment shirt
  • $16.95 – Soft lunge line
  • $30 – 2x socks noble outfitters
  • $393 – Custom Western Bridle and Breast Collar (jumping pony)
  • $35 – Retractable Flag

$144.08 // Insurance

  • $14.58 – Equisure Liability
  • $129.50 – Berkley Mortality & Major Medical

$1,050 // Stabling

  • $525 – Cow Horse (Bartered to $0 for clinic management services)
  • $525 – Jumping Pony (Bartered down to $0 for lesson system management services)

$107.52 // Travel

  • $107.52 – Mileage to the barn

$34.11 // Fun

  • $16.95 – Apple Snaps Treats
  • $8 – German Horse Muffins
  • $6.49 – Communal Treats for Sharing

GRAND TOTALS

  • TOTAL (Before Adjustments) = $3,786.90
  • TOTAL (After Adjustments) = $2,617.90
  • Over-budget by $617.90

Note: I doubled my budget for 2022 now that I have two boarded horses.

Wonder how expensive horses are where you live? We break down the average horse cost in all 50 states

Remember, if you’re surprised how expensive horses are, remember that there are plenty of other ways to get your horse fix besides ownership.

Happy Trails!

P.S. If you hate buyer’s remorse too, check out our Horse Rookie Must Haves on Amazon for equestrian gear that’s worth every penny!

P.P.S. Buying your first horse? Check out 60 Questions to Ask When Buying the Horse of Your Dreams and our Beginner’s Guide to the Best Equine Insurance

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About the author

I began riding horses at age six, and I'm just as infatuated (OK, more!) with the sport decades later. My AQHA gelding exemplifies the versatility of the breed -- reined cow horse, reining, roping, ranch riding, trail, dressage, and jumping. We're also dipping our toes (hooves) into Working Equitation!