Typical home value from Zillow, September 2021 to September 2026: from $443,552 to $461,584.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Ione is in Amador 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 Amador County. See the county
What homes there are in Ione, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Ione
Amador County
California
United States
Kind of home: Ione and its comparisons
Measure
Ione
Amador County
California
United States
Detached house
80%
84%
57%
61%
Attached house
Unreliable estimate
2%
7%
6%
Building of 2 to 4
Unreliable estimate
3%
8%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
24%
19%
Mobile home
Unreliable estimate
6%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Ione (80%), but less so than in Amador County (84%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Ione
Amador County
California
United States
Year built: Ione and its comparisons
Measure
Ione
Amador County
California
United States
Before 1960
Unreliable estimate
14%
27%
26%
1960–1979
Unreliable estimate
28%
29%
24%
1980–1999
32%
33%
25%
25%
2000–2009
25%
17%
11%
14%
2010 or later
26%
8%
8%
11%
Homes in Ione are newer: the typical year built is 2000; in Amador County, 1984.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K40%
$500K–$750K45%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Ione and its comparisons
Measure
Ione
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
40%
$500K–$750K
45%
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Ione and its comparisons
Measure
Ione
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$2,638 a month
Amador County: $2,472 a month
Owners with a mortgage
63%
Amador County: 60%
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Ione+51%
Amador County+43%
California+46%
United States+53%
Typical household income
IoneNo clear change
Amador County+40%
California+32%
United States+29%
Change since 2015–2019: Ione and its comparisons
Measure
Ione
Amador County
California
United States
Typical home value
+51%
+43%
+46%
+53%
Typical rent
No data
+29%
+36%
+33%
Typical household income
No clear change
+40%
+32%
+29%
From 2015–2019 to 2020–2024, the typical home value in Ione rose 51%; in Amador County, it rose 43%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Ione and its comparisons
Measure
Ione
Amador County
California
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
1.6%
8.2%
3.4%
People per household
2.50
2.35
2.84
2.53
Drive alone
83%
74%
66%
69%
Carpool
Unreliable estimate
8%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
3%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
3%
3%
Work from home
Unreliable estimate
13%
17%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Households in Ione are bigger: 2.50 people on average; in Amador County, 2.35.
To get to work, 83% of workers in Ione drive alone; in Amador County, 74%.
Do the math
What would you pay each month for a home in Ione?
A typical home costs more than the typical income allows
We start with a typical home in Ione, worth $474,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 51% of the typical household income in Ione, which is $91,495 a year. For that payment to be 28% of income, a household would need to earn about $166,940 a year.
The calculator's FHA and conventional loan limits are those of all of Amador County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Ione. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $16,622 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,895
at 7.18% · 30 years
Loan amount
$466,298
Total interest
$670,893
Paid off in
November 2056
Includes $8,020 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,135 a month
Tight
$2,135 to $2,745 a month
Hard
more than $2,745 a month
Your payment · 51%
Compared with the typical household income in Ione ($91,495 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,159
Property tax
$329
Home insurance
$198
FHA mortgage insurance (MIP)
$210
You need at least $16,622 for the down payment, plus closing costs.
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.
Total monthly payment $3,895; principal and interest $3,159.
The city and its county
Ione and Amador County
Ione is in Amador 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).
Ione
Map of Amador County, California, with Ione marked. Around it, the neighboring counties.
Ione
Amador County
Other cities with a page
Ione's own numbers
Typical home value
$474,900
Typical yearly household income
$91,495
Households that own their home
78%
Effective property tax rate
0.83%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Amador County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,765
Price change over 5 years (FHFA)
+28%
Homes in a high flood-risk zone
2%
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 Amador County.
A typical home in Ione is worth $474,900: 6% above the county and 35% below California. With the typical household income in Ione ($91,495 a year), a typical home costs 5.2 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.
Ione5.2 years
Amador5.1 years
California7.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Amador County
According to FHFA’s house price index, home prices in Amador County rose 69% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Amador County.
Yearly change in FHFA’s price index in Amador County, 2016 to 2025
2016: +9.9% +9.9% 2016
2017: +8.2% +8.2% 2017
2018: +4.5% +4.5% 2018
2019: +5.2% +5.2% 2019
2020: +1.5% +1.5% 2020
2021: +13.5% +13.5% 2021
2022: +11.3% +11.3% 2022
2023: −1.5% −1.5% 2023
2024: +0.6% +0.6% 2024
2025: +2.0% +2.0% 2025
Change in FHFA’s price index in Amador County, California and the United States
Period
County
California
U.S.
Last year (2025)
+2.0%
+0.8%
+2.9%
5 years (2020–2025)
+28%
+40%
+47%
10 years (2015–2025)
+69%
+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
Ione next to Amador 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
Ione$474,900
Amador$449,800
California$734,700
United States$332,700
Typical yearly household income
Ione$91,495
Amador$88,044
California$99,122
United States$80,734
See the full table
Ione next to Amador County and California
Measure
Ione
Amador County
California
U.S.
Typical home value
$474,900 ▲6% above the county
$449,800
$734,700
$332,700
Typical yearly household income
$91,495 ▲4% above the county
$88,044
$99,122
$80,734
Households that own their home
78% ▼2 points below the county
80%
56%
65%
Typical yearly property tax
$3,932 ▲24% above the county
$3,172
$5,124
$3,119
Effective property tax rate
0.83% ▲0.12 points above the county
0.71%
0.7%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Amador 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 Ione
For a typical $474,900 home in Ione, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ione's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,895a month
Least cash to close
Down payment
$16,622
Cash to close
$30,869
Rate
7.18%
Mortgage insurance
FHA MIP · $210
Conventional, 5% down$3,808a month
Down payment
$23,745
Cash to close
$37,992
Rate
7.18%
Mortgage insurance
PMI · $226
Conventional, 20% down, no PMI$3,100a month
Down payment
$94,980
Cash to close
$109,227
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,539a month
Down payment
$71,235
Cash to close
$85,482
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Ione
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,895
$16,622
$466,298
7.18%
FHA MIP · $210
$30,869
580
Conventional, 5% down
$3,808
$23,745
$451,155
7.18%
PMI · $226
$37,992
620*
Conventional, 20% down, no PMI
$3,100
$94,980
$379,920
7.18%
None
$109,227
620*
ITIN, 15% down (example)
$3,539
$71,235
$403,665
8.18%
None
$85,482
Set by the lender
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.
The Census Bureau publishes no typical rent for Ione. Below are the fair market rents for Amador County.
HUD publishes a fair market rent for all of Amador County, by unit size. To pay the 2-bedroom one ($1,765 a month) without spending more than 30% of your income, you would need to earn $33.94 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Amador County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,373
$26.40
$54,920
1 bedroom
$1,381
$26.56
$55,240
2 bedrooms
$1,765
$33.94
$70,600
3 bedrooms
$2,219
$42.67
$88,760
4 bedrooms
$2,568
$49.38
$102,720
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 Ione
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ione is in ZIP code 95640.
For 2 bedrooms it is $1,860: $95 more than the fair market rent for Amador County ($1,765).
Fair market rent by ZIP code and size in Ione, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
95640
$1,450
$1,460
$1,860
$2,340
$2,710
ZIP code2 bd3 bd
95640 $1,860$2,340
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ione 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 Amador County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Ione or Amador County. The ones below are statewide in California: they work in Ione the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for Ione or Amador County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Ione and all of Amador 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 Ione?
The typical home value in Ione is $474,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Amador County it is $449,800.
What is the FHA loan limit in Ione?
Ione uses the FHA limit for all of Amador 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 Ione?
The typical homeowner in Ione pays $3,932 a year, according to the U.S. Census Bureau. That is 0.83% of the home’s value; in Amador County, the rate is 0.71%.
Where can I find free help to buy or rent in Ione?
We found no HUD-approved counseling agencies with an office in Amador County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
