Horse Types & Costs

Horse Type	Cost (gp)	Speed (Move Rate)	Notes
Pony	30–50 gp	9" (90 ft)	Suitable for smaller riders (halflings, gnomes, dwarves).
Mule	8–20 gp	12" (120 ft)	Stronger than a pony, good for carrying loads.
Draft Horse	50–100 gp	12" (120 ft)	Strong but slow, used for pulling carts/wagons.
Riding Horse (OK)	200 gp	15" (150 ft)	Standard light riding horse.
Riding Horse (Good)	300–400 gp	18" (180 ft)	More endurance and speed, preferred by wealthier riders.
Warhorse (Light)	150 gp	15" (150 ft)	Trained for combat, but not as strong as heavy warhorses.
Warhorse (Medium)	250 gp	15" (150 ft)	Stronger and better trained for battle.
Warhorse (Heavy)	400+ gp	12" (120 ft)	Powerful charger, can wear barding but slower.

Note: Warhorses require special training and may not be available in all settlements.
Horse Upkeep Costs (Per Month)

Expense	Basic (OK Horse, 200gp)	Good Horse (300–400gp)
Feed (Oats & Hay)	5 sp – 1 gp	1–2 gp
Shoeing/Farrier	1 gp	2 gp
Stabling (if needed)	5 sp – 1 gp per night (15–30 gp per month)	1–2 gp per night (30–60 gp per month)
Saddles, Equipment Wear	1–2 gp	2–5 gp
General Healthcare (Vet, Treatment, etc.)	1 gp	2–3 gp
Total Monthly Cost (without stabling)	8–10 gp	12–18 gp
Total Monthly Cost (with stabling)	25–40 gp	50–80 gp

Note: Grazing in the wild reduces feed costs, but risks malnutrition or loss of the horse. Warhorses may require specialized care, increasing costs.
Additional Costs When Purchasing a Horse
When buying a horse, adventurers need to consider the costs of essential riding equipment.

Item	Cost (gp)	Notes
Riding Saddle	25 gp	Standard saddle for general riding.
Military Saddle	40 gp	More secure, used for mounted combat.
Pack Saddle	10 gp	For carrying loads instead of riding.
Saddle Bags (pair)	4 gp	Basic carrying bags attached to the saddle.
Bit and Bridle	2 gp	Standard for controlling the horse.
Saddle Blanket	5 sp – 2 gp	Comfort for the horse, varies in quality.
Reins and Harness	1 gp	Used to direct the horse.
Horse Shoes (set of 4)	3 gp	Needs replacing every 1–2 months.
Shoeing (Farrier service)	1 gp	Shoeing service, separate from the horseshoes.
Feed (1 day, oats & hay)	5 sp – 1 gp	Daily cost, cheaper if grazing.
Feed (1 month, oats & hay)	5–10 gp	Needed if not grazing.
Stable Fee (per night)	5 sp – 2 gp	Cost varies by stable quality.
Grooming Kit	1 gp	Brushes and tools for horse care.
Cart or Wagon	35–100 gp	Costs depend on size and quality.

Total Cost of Horse + Equipment

Horse Type	Horse Price	Basic Equipment Cost	Total Minimum Cost
OK Horse	200 gp	~40–50 gp	240–250 gp
Good Horse	300–400 gp	~50–60 gp	350–460 gp

Warhorse Equipment Costs
If outfitting a warhorse, heavier-duty gear is required:

Item	Cost (gp)	Notes
Barding (Leather)	20 gp	Provides light protection.
Barding (Chain)	75 gp	Moderate protection, heavier.
Barding (Plate)	150 gp	Maximum protection, but slows the horse.
Military Saddle	40 gp	More stable for combat riders.
War Bridle & Reins	5 gp	Made of stronger materials.

Note: Buying a horse is a major investment! Even an OK horse with full equipment costs at least 240 gp. Pack horses or mules are cheaper alternatives (8–20 gp plus a pack saddle). Warhorses and their gear often exceed 500 gp.