How to Afford a Horse as a Teen

Saving for a Horse

Saving for a horse takes determination and many hours of hard work. Simply ask my grandmother, who fell in love with horses when she was 10 years old. When she asked her father if she could have a horse, he laughed, and told her that if she saved up enough money to buy a horse, she could have one. She babysat for 25 cents an hour, which was the going rate in the 1950s, and saved up $300-- enough to by a horse! Luckily, my great grandfather was a man true to his word, and took her to see several horses before they brought home a beautiful pinto mare named Gypsy.

Horses sell for thousands of dollars, and the cost of a horse's care and maintenance can be astronomical ($11,080-$50,800 or more) for most families' budgets. As a teen, what can you do to convince your parents that you are responsible and dedicated enough to afford a horse?

If you are interested in owning a horse of your own you work hard to save the necessary funds to afford the horse and learn how to care for the horse.

In order to learn how to care for a horse, attend a horse back riding camp, and take horse back riding lessons. I also recommend that you apply for a job working at a stable and join 4-H group or Pony Club.


Horse Back Riding Camp

If you haven't already, spend a week during the summer at a local horse back riding camp. At camp you'll

  • ride regularly,
  • get a taste of daily barn chores (depending on what camp you attend),
  • and learn some very basic horse handling skill and knowledge.

If you enjoyed an entire week immersed in the equine world, ask the barn manager about taking lessons at the barn.

If camp is too expensive, look into not-for-profit organizations that might give you some financial aid for camps or lessons, such as City to Saddle.

Just Taking Lessons vs. Owning Your Own Horse

Horse Back Riding Classes

Before you even consider buying a horse of your own, take lessons at a local horseback riding stable.

You should consider working at the barn in exchange for lesson credit. This will

  1. make your lessons much more affordable,
  2. give you invaluable experience working with horses,
  3. and help you form connections with knowledgeable equine professionals.

Where and When to Look for a Horse

Now that you have some knowledge and experience caring for and riding horses, you may want to start looking for your own horse and equipment.

Never look for a horse completely on your own-- always ask your instructor for advice, and if you have gone to visit a horse and are considering buying it, ask your instructor to come with you and watch you ride and interact with the horse. Your instructor's input is invaluable!

  • Start by looking at equine specific classifieds sites like
  • Ask around to see if your instructor or barn manager knows of any horses for sale.
  • Don't be afraid to travel a few hours to see a horse that you are interested in.

The best time to buy a new horse is in the fall. Horses are usually cheaper in the fall because it is more expensive to keep a horse during the winter. The person selling the horse has more incentive to sell the horse at a cheaper price before winter comes.

Where to Buy Horse Equipment

Tack and other necessary equipment can be almost as expensive as the horse itself! However, quality tack is important, and you should never use ill-fitting or unsafe tack just because it was free or cheap.

  • You can often find second hand tack from friends and tack sales. Make sure that it has been well cared for, and it fits you and your horse.
  • You can find almost anything on Amazon and eBay. Amazon usually has great prices, but when you buy things online, you don't have the opportunity to try things on for size.
  • You local tack store is a wonderful resource. Make sure you go in and ask questions about products, sit in the saddles, and try on your helmet. Not all tack shops offer the best prices, but they do offer an invaluable service.
  • Every year, at the Big E in Massachusetts, is the Equine Affaire, where many vendors from all over the country compete to sell you their product. I have found great deals on horse blankets, saddles, bridles, show clothes, and anything else you can imagine. And, it's a ton of fun!

Where to Keep Your Horse

The most cost effective way to keep a horse is to keep him on your own property. However, this is not an option for most people. A horse needs

  • a sturdy shelter
  • and an acre of fenced turnout.

The shelter and fence alone requires a significant start up cost, which is why most people board their horses at a nearby stable.

The price of board varies considerably-- from $250 - $1,200 or more per month.

Factors which affect the price of board:

  • Indoor Riding Arena-- Barn with an indoor riding arena is almost automatically a few hundred dollars more expensive than surrounding barns.
  • Quality of Care and Reputation-- Some barns are managed better, and some are run by people who have more experience and knowledge. Your horse is worth a lot to you, so choose carefully in whose care you place him.
  • Quality of Turnout-- Because land is expensive, many barns have small, muddy, or rocky pastures. Few barns have spacious grassy fields.

Depending on your location, you may have many barns to choose from, or only a few. Make sure that you are completely comfortable with the care your horse will receive, and that the general atmosphere of the barn is friendly. The barn is where you will be spending a lot of your time, so you should be able to stand the other people who are there!

How to Save on Board

Full Board/Rough Board-- Full board usually includes hay, grain, stall, and full barn chores, (morning and evening meals, blanket swaps, night check, mucking stalls, and turnout). Rough board is significantly cheaper because you split the barn chores, and in some cases, provide your own hay and grain.

Full Turnout-- Some barns may give you the option of full turnout, which means that your horse lives in a pasture, with a three sided shelter instead of a stall. Many people believe that horses should be on full turnout all the time, and it's a good way to drastically lower the cost of board.


Alternatives to Owning Your Own Horse

If you are not prepared to put the initial investment into a horse of your own, but have some money that you are ready to put into a horse that you can ride regularly, you may want to lease a horse. In order to lease a horse, you pay the owner of the horse a set price per month to ride the horse, and you also take on some, or all of the horse's expenses. There are several options:

Full Lease-- A full lease usually means that you have full time access to the horse, and that you pay most or all of the horse's expenses. You may be able to keep the horse on your own property in a full lease situation.

Half Lease-- In a half lease, you and the owner share the horse and his expenses. You would also negotiate which days each person had access to the horse.

Leases are an affordable alternative to owning your own horse, but it can be unreliable, and in most cases, you should only plan to lease for the short term. Not only is it sometimes stressful to have to answer to someone else, but since you do not own the horse, the owner could break the lease at any time and you could be unexpectedly without a horse.

"Free" Horses: The Hidden Cost

There are many "free" horses on the market. Especially in the fall/winter months, you will see many ads for horses and ponies "free to a good home." However, if you have any aspirations of riding the horse, you will save time, money, and heartache if you take the time to mine the market for a reasonable price on a safe, sound riding horse. A free horse almost always has health and/or lameness issues, which can be incredibly costly to treat.


Never buy a horse from an auction unless you, or someone you trust, are an experienced equine professional. Though many horses at auction sell for a cheap price, it comes at the cost of enormous risk. Unlike most private sale situations, where you can ride the horse several times and have your vet perform a health check on the horse before you buy him, auctions present a stressful environment for you and the horse, with little time for bonding and decision making.


  • Dealers at an auction often know next to nothing about the horse's history, training, and personality.
  • Unfortunately, many horses are drugged to appear calmer and more cooperative than they actually are.
  • Horses that end up at auctions often have a shady history, or are older with health and/or lameness issues.

The substantial costs of a lame horse are not nearly as high as the potential costs of a poorly trained, abused, or extremely dominant horse. A horse that rears, kicks, bites, or bucks, could cause you serious physical harm.

Where Does the Money Come From?

So far, I only given you examples of how to make buying and keeping a horse more affordable, and suggested that you save up some money to invest in a horse. But where, as a teenager can you get enough money for a horse?

In reality, your parents will need to help you pay for the horse. Even if you save up enough to buy the horse, the expense of owning a horse is much more than the initial investment. And even if you have a job that makes decent money, you need to spend a fair amount of time caring for and riding your horse, which takes away from time that you could be working. If your parents can't or won't contribute, and you are serious about owning your own horse, I have collected some practical and useful websites below.


Comments 20 comments

Eiddwen profile image

Eiddwen 3 years ago from Wales

So very interesting and very useful to many I am sure.

Have a great day.


SidKemp profile image

SidKemp 3 years ago from Boca Raton, Florida (near Miami and Palm Beach)

Thanks so much. This is an excellent model for helping any older child or teen connect a hobby or passion to growing into responsible adulthood.

sgiguere profile image

sgiguere 3 years ago from Marlborough MA Author

Thanks SidKemp :) It takes a lot of responsibility to care for a horse!

Panda 3 years ago

Can't find the links...:(

sgiguere profile image

sgiguere 3 years ago from Marlborough MA Author

I'm sorry Panda, what links are you looking for?

Chrissi Reeves profile image

Chrissi Reeves 2 years ago from Gainesville


Fantastic article and accurate. It's clear you know what you are talking about, but then again you are a pony clubber! Of course you know what you are talking about!

sgiguere profile image

sgiguere 2 years ago from Marlborough MA Author

Thank you Chrissi!!

amanda5577 profile image

amanda5577 20 months ago from Michigan

Hi Stephanie. I was very intrigued by your article. I would have loved to see you explore other aspects of this topic. The reality is that not everyone has the privilege of having parents who are able or willing to help their child pursue the dream of owning a horse or even riding lessons for that matter (whatever the reason may be). I would love to see more discussion about alternatives such as finding a facility where working in exchange for lessons, lease, lease to own, and/or boarding, is an option. Without other means, it may never be a reality for some teens to pursue this dream, no matter how hard they work at it. Nonetheless, I enjoyed reading your article. Thanks for sharing!

aesta1 profile image

aesta1 20 months ago from Ontario, Canada

I don't ride nor anyone in the family does but saying that I am very aware of the expense in getting and keeping a horse. I have friends whose kids ride so some of your tips could be the basis of an interesting discussion.

pstraubie48 profile image

pstraubie48 20 months ago from sunny Florida

Hopefully teens who are not 'rolling in dough' will thoughtfully research this topic and read your articles and others to make a wise decision.

I worked for a Girl Scout Camp for two summers and one job I had was to drive the girls to a horse riding experience twice a week.

There they rode and groomed and mucked out the barns. It was great training for would be horsewomen in the future.

Angels are on the way to you ...Congrats on HOTD ps

mary615 profile image

mary615 20 months ago from Florida

My four girls were lucky to have a Veterinarian as a father! Otherwise, we could never have been able to have our Quarter horses to show. My girls are all grown up now, but they still miss their horses.

People just don't understand how expensive it is to have a horse and properly care for it, so you have given readers some good advice.

Congrats on HOTD.

Aneegma profile image

Aneegma 20 months ago

I did some volunteering at a nearby horse farm and it's bloody hard work!! Horses require a lot of attention and although I love horses and would love to own one someday, the thought of the expenses dampers that dream! Nicely written hub and congrats on HOTD.

misty103 profile image

misty103 20 months ago

Great Hub. I have always wanted a horse. That was good information about the "free horses".

RTalloni profile image

RTalloni 20 months ago from the short journey

Congrats on your well-deserved Hub-of-the-Day award for this interesting and useful post. You've done a favor to everyone involved in the possibility, from the teens, to the parents, to the horse, to the local vet!

Sunshyne1975 profile image

Sunshyne1975 20 months ago from California, US

One of my 14 year old sons wants a horse. He has had a horse since he was small, at his grandmothers house. He has went to horse camp and has had lessons and training for caring for a horse. He is in FFA now in high school and wants a horse at home. We live on 5 acres in the foothills and have plenty of pasture (some of it rocky though). We know he would take good care of a horse, but the cost of caring for it makes me a little nervous. We are in a severe drought in our area and the price of hay has also really gone up. I hear the vet bills can be astronomical. My husband told him to get a summer job and save up money and that he would think about it, but I don't think my son understands how much it will really cost in the long run. Thank you so much for this very informative hub. I will share it with him so he can get more information on owning a horse. Voted up and more. :)

Solaras profile image

Solaras 20 months ago

Congrats on your HOTD! Thanks for the the article; it brought me back 30+ years to the days when I spent all day every day at the stables. Thanks for the memories!

eilval profile image

eilval 20 months ago from Western Cape , South Africa

Fascinating article and informative . Great tips for horse lovers . Congrats on HOTD !

Kylyssa profile image

Kylyssa 20 months ago from Overlooking a meadow near Grand Rapids, Michigan, USA

How many hours at what wage would a teen have to work and for how long to pay for a horse, for its upkeep, and to set aside enough money for veterinary bills? I think that information is essential to explaining how to afford a horse as a teen.

From the information here, I'd say step one to affording a horse as a teen would be either a) get born into at least an upper middle class family or a middle class family that owns a farm or b) create the next great Internet sensation and earn wads of cash to afford a horse and anything else you might want.

I think Panda was referring to the "practical and useful websites below" that you mentioned in your last sentence. I couldn't find them, either.

Sunshyne1975 profile image

Sunshyne1975 20 months ago from California, US

I couldn't find the website links either. If my son started making wads of cash from being an internet sensation I would be more than happy to let him have a horse at home. lol

Hani D profile image

Hani D 20 months ago from Fiji Islands

I think children and teenagers love horses! Such gorgeous amazing creatures! Very useful article!

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