So glad you asked rather than sulking away and never giving it a try because someone told you it was out of range.
Go here to find out the contact information for the hunts in your area. Your closest hunt may be in an neighboring state, so don’t count yourself out until you’ve looked at all the possibilities. Also their are “private” and/ or “farmers” packs that aren’t listed with the MFHA that you may have near by.
Once you have the hunt that you are most interested in joining, call the secretary or if not listed the MFH. These would be the persons who would best be able to describe their hunt. Some hunts will want you to go as a guest (have a nanny) for the first times, at least until you learn the ropes and a few other members.
Hunts don’t have an income requirement, but they do have dues that may price you out of membership. Some are as low as $350 for a season or as much as several thousand plus active donations of time and money throughout the year. You won’t know until you ask. Many have a Junior membership, a young adult membership, a regular membership and a social membership. This is just an example of what may be available.
The going as a guest or with a nanny is to ensure that you and your horse have a safe and enjoyable time. What would be expected ability wise would depend on your quarry and your terrain and what flights the hunt offers.
First Flight/field- You are comfortable riding and jumping at whatever pace the field master has set to keep up with hounds.
Second Flight/field- You are comfortable riding at whatever pace the field master sets and are comfortable jumping logs and such, generally nothing over 18"-2’
Third Flight/Hilltoppers- Generally they ride to the lowest common denominator. Walk/ trot/ maybe a bit of canter.
I would call the hunt and see if you could arrange to car follow with someone a few times and then see if its something you and your mount would enjoy.
The best option for your first hunt would be to go out on a made hunter so that you could watch and really take in the experience.
I hope that it works out for you in the near future.