What is a typical horse lease percentage?

Most full leases run 25–33% of the horse's fair market value per year, paid monthly or quarterly.

Who pays for vet and farrier on a lease?

Standard full-lease contracts assign routine vet, farrier, and board to the lessee, but always confirm in writing.

Horse Lease Payment Calculator

Industry-standard lease payments are usually 25–33% of a horse's value per year. Enter the value and your percentage to see fair monthly and annual numbers.

Inputs

Lease type

Horse category / disciplineHorse fair market value ($)Proposed annual lease ($)Optional — checks fairness vs the suggested range.

Included in lease

Buy vs lease comparison

Planned ownership yearsMonthly horse care ($)Annual insurance ($)

Results

Suggested annual lease: $4,125 – $5,445
Suggested monthly: $344 – $454
Adjusted lease value: $4,785
Midpoint after category + included expenses.
Included expense impact: None

Lease fairnessFair market

BelowFairPremiumOverpriced

Suggested legal protections

Horse Lease Agreement
Defines payment, duration, and care responsibilities.
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Liability Waiver
Protects the owner from injury or accident claims.
View →
Insurance Clause Addendum
Higher-value or competition horses need explicit insurance terms.
View →

How to use horse lease payment calculator

Enter your numbers above and the result updates instantly. Every calculation runs in your browser — nothing is stored or sent to a server. Use it as many times as you like.

Pair this tool with the rest of our legal & forms resources to plan your barn, your budget, and your season. New calculators are added every month — check back often.