Can You Afford a Home in Ione, WA?
A typical home in Ione is worth $286,108, down 3.4% over the past year. That is $92K below the Pend Oreille County typical of $378,306.
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Assumes housing costs stay at 33% of gross income — the sustainable middle, not the maximum a lender would approve. A typical home in Ione costs $286,108. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Pend Oreille County
Prices below are what keeps housing at 33% of gross income, using Pend Oreille County’s 0.67% effective property tax rate. The Conventional column assumes 20% down; the zero-down columns finance the funding fee into the loan.
| Household income | Conventional | VA | Zero-down CU | FHA |
|---|---|---|---|---|
| $75,000 | $326,000 | $268,000 | $246,000 | $262,000 |
| $100,000 | $446,000 | $367,000 | $336,000 | $359,000 |
| $125,000 | $566,000 | $466,000 | $427,000 | $455,000 |
| $150,000 | $686,000 | $565,000 | $517,000 | $552,000 |
| $200,000 | $926,000 | $763,000 | $699,000 | $745,000 |
How Ione compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Metaline Falls | $257,578 | +4.4% | $61,000 |
| Ione (this page) | $286,108 | -3.4% | $67,000 |
| Cusick | $286,404 | 0% | $67,000 |
| Newport | $417,186 | +0.8% | $94,000 |
If Ione is out of reach, Metaline Falls sits lower in the same county — same commute shed, same schools district-by-district, less money.
What this does not tell you
These are typical values, not listings. Half the homes in Ione sell for less than $286,108, and condos and townhomes sit well below it. Property tax is a county-wide effective rate, so your parcel will differ. Insurance is a state average. Run your own numbers with your own quote before you take any of this as settled.