The typical owner-occupied home in Ione is worth about $474,900, 35% below the California median of $734,700 and 43% above the national median of $332,700. Owners pay a median $3,932 a year in property taxes, about 0.83% of their home's value, higher than the California rate of 0.70%. The median household earns $91,495 a year, so the median home costs 5.2 times the median income (7.4 times for California). 78% of occupied homes here are lived in by their owners, and 63% of those owners still have a mortgage.
Ione at a glance
| Ione | California | U.S. | |
|---|---|---|---|
| Median home value | $474,900 | $734,700 | $332,700 |
| Median property tax paid per year | $3,932 | $5,124 | $3,119 |
| Property tax as a share of value | 0.83% | 0.70% | 0.94% |
| Median household income | $91,495 | $99,122 | $80,734 |
| Homes lived in by their owners | 78% | 56% | 65% |
| Owner homes with a mortgage | 63% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $2,638 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 26.1% | 24.8% | 21.0% |
| Median rent | – | $2,036 | $1,413 |
| Rent as a share of renters' income | 28.3% | 32.8% | 30.6% |
| Median year homes were built | 2000 | 1976 | 1980 |
| Vacant homes | 2.4% | 7.5% | 10.1% |
| Population | 9,156 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Ione
At this week's average 30-year rate of 7.11%, buying the median Ione home of $474,900 with 20% down costs about $3,082 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,873, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $132,090 for the 20%-down payment. That payment is 40% of the median Ione household income of $91,495; at that income and 20% down, the 28% guideline points to a home of about $329,000.
| Down payment | $94,980 |
|---|---|
| Loan amount | $379,920 |
| Principal and interest | $2,556 |
| Property taxes (0.83% a year) | $328 |
| Homeowners insurance (our estimate, 0.5% a year) | $198 |
| PMI | $0 |
| Total per month | $3,082 |
Change the numbers in the calculator
| Down payment | $16,622 |
|---|---|
| Loan amount | $466,298 |
| Principal and interest | $3,137 |
| Property taxes (0.83% a year) | $328 |
| Homeowners insurance (our estimate, 0.5% a year) | $198 |
| FHA mortgage insurance | $210 |
| Total per month | $3,873 |
Change the numbers in the calculator
Questions about home buying in Ione
What is the median home value in Ione?
About $474,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Ione?
Homeowners pay a median $3,932 a year, which is about 0.83% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Ione?
For the median home with 20% down at 7.11%, the payment is about $3,082 a month. Keeping that under 28% of gross income takes about $132,090 a year.
More about Ione
- Mortgage Refinance in Ione
- Debt Relief in Ione
- Home Equity Loans in Ione
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data