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.
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 0.58% 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 | $330,000 | $271,000 | $248,000 | $265,000 |
| $100,000 | $452,000 | $371,000 | $340,000 | $362,000 |
| $125,000 | $573,000 | $471,000 | $431,000 | $460,000 |
| $150,000 | $695,000 | $571,000 | $523,000 | $558,000 |
| $200,000 | $939,000 | $771,000 | $706,000 | $753,000 |
How Ione compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Metaline Falls | $257,578 | +4.4% | $60,000 |
| Ione (this page) | $286,108 | -3.4% | $66,000 |
| Cusick | $286,404 | 0% | $66,000 |
| Newport | $417,186 | +0.8% | $93,000 |
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.