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City · 5,465 residents · Madera County, California

Bonadelle Ranchos , California

In Bonadelle Ranchos, a typical home is worth $486,800 and typical rent is $1,941 a month. Compared with all of Madera County, typical household income is 73% higher, typical rent is 40% higher, and the share of households that own their home is 27 points higher.

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  • Typical home value

    $486,800

    24% above the county

    34% below California

    • Bonadelle Ranchos
    • Madera
    • California

  • Typical rent

    $1,941a month

    40% above the county

    5% below California

    • Bonadelle Ranchos
    • Madera
    • California

  • Typical household income

    $132,723a year

    73% above the county

    34% above California

    • Bonadelle Ranchos
    • Madera
    • California

  • Households that own their home

    94%

    27 points above the county

    38 points above California

    • Bonadelle Ranchos
    • Madera
    • California

Source: U.S. Census Bureau, Average 2020–2024

Bonadelle Ranchos is in Madera County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Madera County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Bonadelle Ranchos apart

What this place has that others do not, from public data, most unusual first.

  1. Bonadelle Ranchos has the 5th highest homeownership rate of the 652 cities in California with more than 5,000 people (94%).

  2. The typical household income in Bonadelle Ranchos is $132,723, 73% more than in Madera County as a whole ($76,627).

  3. The typical rent in Bonadelle Ranchos is $1,941 a month, 40% more than in Madera County as a whole ($1,390).

  4. Nearby, in Madera, the typical rent is $1,353: 30% less than in Bonadelle Ranchos ($1,941).

  5. Nearby, in Madera Acres, the typical home value is $346,800: 29% less than in Bonadelle Ranchos ($486,800).

  6. The typical home in Bonadelle Ranchos is worth $486,800, 24% more than in Madera County as a whole ($393,200).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Bonadelle Ranchos

What homes there are in Bonadelle Ranchos, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses, standing on their own, make up 96% of homes here, against 80% in Madera County.

Year built

Homes in Bonadelle Ranchos are newer: the typical year built is 1993; in Madera County, 1988.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,440 a month

Madera County: $2,052 a month

Without a mortgage

$691 a month

Madera County: $660 a month

Owners with a mortgage

73%

Madera County: 65%

The typical cost for an owner with a mortgage in Bonadelle Ranchos is $2,440 a month, more than in Madera County ($2,052); without one, $691.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The boundaries of Bonadelle Ranchos changed since 2015–2019, so the Census does not compare its figures from then and now. In Madera County, the typical home value rose 57%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureBonadelle RanchosMadera CountyCaliforniaUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.2%5.5%
Homeowner vacancy Unreliable estimate1.4%0.8%0.9%
More than one person per room Unreliable estimate11.1%8.2%3.4%
People per household 3.353.412.842.53
Drive alone 80%72%66%69%
Carpool Unreliable estimate12%10%9%
Public transit Unreliable estimateUnreliable estimate3%3%
Walk or bike Unreliable estimate2%3%3%
Work from home Unreliable estimate10%17%15%
Other means Unreliable estimate5%2%2%
Typical commute 30 to 39 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Bonadelle Ranchos has 3.35 people on average, about the same as in Madera County (3.41).

To get to work, 80% of workers in Bonadelle Ranchos drive alone; in Madera County, 72%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Bonadelle Ranchos?

A typical home is tight for the typical income

We start with a typical home in Bonadelle Ranchos, worth $486,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Bonadelle Ranchos, which is $132,723 a year. For that payment to be 28% of income, a household would need to earn about $168,341 a year.

The calculator's FHA and conventional loan limits are those of all of Madera County.

Your numbers

Local data
$

Starts at the typical home value in Bonadelle Ranchos. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $17,038 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,928

at 7.18% · 30 years

Loan amount
$477,983
Total interest
$687,705
Paid off in
November 2056

Includes $8,221 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,097 a month

  • Tight

    $3,097 to $3,982 a month

    Your payment · 36%

  • Hard

    more than $3,982 a month

Compared with the typical household income in Bonadelle Ranchos ($132,723 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,928
Principal & interest$3,238
Property tax$272
Home insurance$203
FHA mortgage insurance (MIP)$215

You need at least $17,038 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Bonadelle Ranchos and Madera County

Bonadelle Ranchos is in Madera County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Bonadelle Ranchos's own numbers

Typical home value
$486,800
Typical monthly rent
$1,941
Typical yearly household income
$132,723
Households that own their home
94%
Effective property tax rate
0.67%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Madera County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,460
Price change over 5 years (FHFA)
+50%
Homes in a high flood-risk zone
5.9%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Madera County.

Everything about Madera County

Buying

Buying a home in Bonadelle Ranchos

A typical home in Bonadelle Ranchos is worth $486,800: 24% above the county and 34% below California. With the typical household income in Bonadelle Ranchos ($132,723 a year), a typical home costs 3.7 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Bonadelle Ranchos 3.7 years
  • Madera 5.1 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Madera County

According to FHFA’s house price index, home prices in Madera County rose 105% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Madera County.

Period County California U.S.
Last year (2025) +1.2% +0.8% +2.9%
5 years (2020–2025) +50% +40% +47%
10 years (2015–2025) +105% +80% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Bonadelle Ranchos next to Madera County, California and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Bonadelle Ranchos $486,800
  • Madera $393,200
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Bonadelle Ranchos $1,941
  • Madera $1,390
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Bonadelle Ranchos $132,723
  • Madera $76,627
  • California $99,122
  • United States $80,734
See the full table
Bonadelle Ranchos next to Madera County and California
Measure Bonadelle Ranchos Madera County California U.S.
Typical home value $486,800 $393,200 $734,700 $332,700
Typical monthly rent $1,941 $1,390 $2,036 $1,413
Typical yearly household income $132,723 $76,627 $99,122 $80,734
Households that own their home 94% 67% 56% 65%
Typical yearly property tax $3,256 $2,756 $5,124 $3,119
Effective property tax rate 0.67% 0.7% 0.7% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Madera County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Bonadelle Ranchos

For a typical $486,800 home in Bonadelle Ranchos, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bonadelle Ranchos's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,928a month

    Least cash to close
    Down payment
    $17,038
    Cash to close
    $31,642
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $215

  • Conventional, 5% down $3,839a month

    Down payment
    $24,340
    Cash to close
    $38,944
    Rate
    7.18%
    Mortgage insurance
    PMI · $231

  • Conventional, 20% down, no PMI $3,113a month

    Down payment
    $97,360
    Cash to close
    $111,964
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,563a month

    Down payment
    $73,020
    Cash to close
    $87,624
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Bonadelle Ranchos and for Madera County.

Property tax

Effective rate in Bonadelle Ranchos

0.67%of the home’s value each year

$3,256 a year for the typical owner in Bonadelle Ranchos.

  • Bonadelle Ranchos 0.67%
  • Madera 0.7%
  • California 0.7%

What California publishes Homeowners' exemption (California State Board of Equalization (BOE))

Exemptions and deadlines in California

Flood risk in Madera County

FEMA does not publish these numbers by city: they are for all of Madera County.

Homes in the high-risk zone
5.9%
2,683
Of those, with NFIP insurance
15%
County California U.S.
Homes in the high-risk zone 5.9% 2.8% 3.5%
Of those, with NFIP insurance 15% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Bonadelle Ranchos

Typical rent in Bonadelle Ranchos is $1,941 a month: 40% above the county.

HUD publishes a fair market rent for all of Madera County, by unit size. To pay the 2-bedroom one ($1,460 a month) without spending more than 30% of your income, you would need to earn $28.08 an hour working full time.

HUD fair market rent for all of Madera County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,264 $24.31 $50,560
1 bedroom $1,272 $24.46 $50,880
2 bedrooms $1,460 $28.08 $58,400
3 bedrooms $2,022 $38.88 $80,880
4 bedrooms $2,440 $46.92 $97,600

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Bonadelle Ranchos

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bonadelle Ranchos is in ZIP code 93636.

For 2 bedrooms it is $1,920: $460 more than the fair market rent for Madera County ($1,460).

  • 93636 $1,920$2,660

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Bonadelle Ranchos when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Bonadelle Ranchos

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Madera County. The nearest ones are below; many serve by phone or online.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Bonadelle Ranchos

No down payment, repair or rent-help program on our list is for Bonadelle Ranchos or Madera County. The ones below are statewide in California: they work in Bonadelle Ranchos the same as in the rest of the state.

Which programs do I qualify for? All programs in California

  • MyHome Assistance Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California. Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

  • California Dream For All Shared Appreciation Loan

    Statewide in California

    Closed, per the source

    CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation. Offered by California Housing Finance Agency (CalHFA).

    Shared appreciation

    See the program Official page

  • MyAccess Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional). Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

Housing counselors near Bonadelle Ranchos

The HUD-approved agencies closest to the center of Bonadelle Ranchos, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Community Housing Council of Fresno

    2560 W Shaw Ln Ste 101, Fresno · 11 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (559) 221-6919

  • Fresno Interdenominational Refugee Ministries

    1940 N Fresno St, Fresno · 15 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (559) 487-1500

  • Southwest Fresno Development Corp

    1424 W California Ave, Fresno · 17 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (559) 209-8031

All counseling agencies in California

Help in Spanish near Bonadelle Ranchos

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Bonadelle Ranchos

In HUD’s record, no housing authority with an office in Madera County is named for Bonadelle Ranchos or Madera County.

One other authority has an office in Madera County: see the list Source: HUD

Cities

Other cities in Madera County

These cities are also in Madera County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Madera County Housing in California

Nearby cities

The cities closest to Bonadelle Ranchos, with the typical home value.

Neighboring counties

If Madera County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Bonadelle Ranchos.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Bonadelle Ranchos

Short answers with the numbers for Bonadelle Ranchos and all of Madera County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Bonadelle Ranchos?

The typical home value in Bonadelle Ranchos is $486,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Madera County it is $393,200.

How much does it cost to rent in Bonadelle Ranchos?

Typical rent in Bonadelle Ranchos is $1,941 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Madera County is $1,460.

What is the FHA loan limit in Bonadelle Ranchos?

Bonadelle Ranchos uses the FHA limit for all of Madera County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Bonadelle Ranchos?

The typical homeowner in Bonadelle Ranchos pays $3,256 a year, according to the U.S. Census Bureau. That is 0.67% of the home’s value; in Madera County, the rate is 0.7%.

Where can I find free help to buy or rent in Bonadelle Ranchos?

We found no HUD-approved counseling agencies with an office in Madera County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).