Horse Ownership FAQ

How much time does owning a horse really take?

Owning a horse isn’t as easy as it looks, but it is worth the work. Journal photo

Does having a job, family or other time commitments mean that you can’t enjoy horses? Absolutely not! It means that you need to decide how much time on a regular basis you have available for an equine friend. You have several options that might meet your needs and the needs of your horse.

Full-Time/On-Site Ownership

This means keeping the horse on your own property and being responsible for his needs 24 hours a day, seven days a week.

This type of relationship requires the most amount of time. First, there is the maintenance time: feeding/watering; cleaning stalls, barn, arena and related areas; cleaning tack; re-stocking supplies; and vet/farrier appointments. Then, there is exercise/riding time. Not only do you want to ride for your pleasure, but you need to be sure to build in daily exercise time for your horse, or his health could suffer.

You’re starting to become aware of the time it takes to own a horse. Are you aware of the costs involved with owning a horse? If you’re thinking about getting a horse, you need to download AQHA’s Buying and Owning Your First Horse e-book. It outlines boarding costs and other things you can expect.

Boarding Ownership

Boarding can be a permanent arrangement and can accommodate horse owners with limited access to land, busy schedules and/or out-of-town commitments. Although boarding facilities and arrangements differ, a professional boarding facility can generally take care of many of your maintenance duties (described above). Your responsibility is to exercise/ride your horse.

There are boarding/training facilities that not only assume the maintenance duties, but will exercise and train your horse for you. Of course, the boarding cost is higher. The benefit, in addition to training, is that your exercise/riding responsibility is covered.


Leasing means that someone else owns the horse. They are renting a part of the horse to you at an agreed-upon monthly rate. There are many types of leasing agreements. Some horses are leased to only one person, and some horses have two lessees. Some leased horses are at a boarding facility, and some are at the owner’s own barn. Some leased horses even come home with you. See the AQHA rules regarding leases.

The lease rate is usually based on the total monthly cost, including the cost of boarding plus horseshoeing and regular medical bills. In addition to agreeing on the lease rate, you will want to discuss and agree with the owner on all the variables of who does what and when. Also, clarify what you can and cannot do with the horse.

Since leasing frequently involves not only sharing costs but sharing responsibilities, there is some degree of time flexibility for you, depending upon the arrangement.

Leasing can also help you decide whether you want to own a horse at all. A lease-to-own agreement gives you the option of trying out a particular horse for a while without actually committing to buying that horse.

Take Lessons

This option gives you the most amount of flexibility. You don’t own the horse and are not responsible for maintenance or exercise/riding time.

It can sometimes be difficult to find just the right horse for you. AQHA’s Buying and Owning Your First Horse e-book gives you inside information on what to look for in a new equine partner, whether it is for you or the special children in your life. You can find a great match with our help!

If you find an instructor you respect who owns a few school horses, you can make an appointment once or twice a week (or more) that fits into your schedule. Depending upon the instructor, you can groom and tack the horse or the horse can be ready to ride when you arrive. At the end of the lesson, you go about your life, and the instructor cares for his or her horse(s).