It would be useful if farm owners could plough using the horses to either reduce crop time or increase harvests. This would make horses a more valuable commodity and more need for people to try to own one.
Also, whilst it is nice to keep a horse in your home the stables should be stabling the horses for owners without houses, at a slight costs of course.
Any help by the management over this would be just fine and dandy
Very few of us can yet afford house, and certainly not also buy luxury horse with limited use.