Do Mounts Add to the CR?

[Tonguez]

First Up I'd treat a Light Horse as Equipment

That being said I have a Rider & Mount template that allows me to stat out a rider and mount as a single 'creature', it was developed when I was creating Mass Battle rules and work thus:

Rider & Mount
HD - add HD of each
SPD Mount speed Init Average AC Average
BAb One attack per round Rider and Mount can both attack on a successful Ride check DC 10
Reach highest reach
Saves Average
Special Attacks: As normal
CR Add
(NB Averages are rounded up.)

Orc & Heavy Warhorse
Mounted Humanoid
HD 5 HP 35
SP 50 Init 0 AC 14
BAbM 6/4 Hoof/Weapon BAbR -/1 Reach 10
Fort 5 Ref 2 Will 0
CR3

Goblin Worg Rider
Mounted Humanoid (Special)
HD 5 HP 35
Sp 50 Init 2 AC 14
BAbM 7/2 Bite/Weapon BAbR -/3 Reach 5 SA Trip
Fort 4 Ref 3 Will 1
CR2

Elf Griffon Rider
Mounted Humanoid (Special)
HD 8 HP 63
Spd 30/80 Init 2 AC 16
BAbM 11/2 Bite/Weapon BAbR -/3 Reach 5 SA
Fort 5 Ref 4 Will 2*
SQ Elf+2 Save vs enchantment
CR 5

 

[Klaus]

Level 1 NPC gear IS 900 gold.

Level 2 NPC gear is 2000 gold.

So says the PHB 2, at least, and I'd bet dollars to cents that there's a table somewhere in the DMG to coroborate.

According to the DMG, starting equipment for a Warrior 1 is 3d4 x10 gp.

 

[Asmor]

page 127, DMG

 

[Klaus]

page 127, DMG

Well, I'll be a monkey's uncle!

Thanks, Asmor, this tidbit had slipped my mind years ago.

Of course, this refers mostly to NPC-with-PC-class-levels.