Horse Ownership Cost Calculator
Get a personalized estimate of monthly and annual horse ownership costs based on your location, boarding preference, and care choices.
Location
Southwest region - Average
Boarding
Care Options
Optional Expenses
Your Estimated Costs in Texas
Monthly
$1,384
Range: $824 - $2,546
Annual
$16,608
Range: $9,888 - $30,552
Monthly Cost Breakdown
Boarding$874/mo
63% of total$552 - $1,656
Farrier$102/mo
7% of total$70 - $160
Veterinary$83/mo
6% of total$42 - $150
Dental$25/mo
2% of total$15 - $45
Deworming$20/mo
1% of total$10 - $35
Vaccinations$30/mo
2% of total$15 - $50
Tack & Equipment$50/mo
4% of total$20 - $100
Insurance$100/mo
7% of total$50 - $200
Emergency Fund$100/mo
7% of total$50 - $150
Monthly Total$1,384
Can You Afford This?
Financial experts recommend horse expenses should not exceed 10-15% of your monthly income. Based on your estimate:
Minimum recommended income
$9,227/month
(if 15% of income)
Comfortable income level
$13,840/month
(if 10% of income)
Remember: Always maintain an emergency fund of $2,000-5,000 for unexpected veterinary expenses, in addition to your monthly budget.
Ways to Reduce Costs
Consider pasture board
Save $621/month
Barefoot trim if possible
Save up to $100/month on farrier
Group lessons vs. private
Cut training costs by 50%
Buy supplies in bulk
Save 15-20% on consumables
Track Your Actual Horse Expenses
Create a free HorseCare account to log expenses, track vet visits, and see exactly where your money goes.