Well, it really depends on what discipline you ride, what kind of horse you get, what you want to feed it, etc. For a good western saddle, unless you buy used, I wouldn't even look at anything less than $700. With all the rest of the tack, you would probably be looking at $800 to $1000, depending on what all you want to have. Then you have to consider feed. I don't know what the feed prices are where you are but I get large square bales of Alfalfa for $50 a bale (they weigh about 800lbs) and that will generally last an easy keeper horse not quite a month. I don't feed any special supplements except for a salt block which costs about $7 (and for just one horse, it would last forever LOL). Then you have to consider shots and worming. If you are able to do it yourself, it would be much cheaper. The cost with this varies on where you are and what product you buy. Farrier every 6 to 8 weeks can run you from $75 to $100+, also if you need an instructor or trainer to help you with your riding or your horse, that will also cost. Then you always need to prepare for the unexpected emergency vet visit which can cost anywhere from a few hundred to a few thousand. LOL, boy owning horses is expensive.