Ionia County, MI Average Home Price (2026)
The average home price in Ionia County, Michigan is about $266,000 (the 2026 median across 11 ZIP codes, at ~$175/sq ft) — 9% more expensive than the Michigan median and 8% more affordable than the typical U.S. home.
How Ionia County compares
Ionia County is about average for housing nationally: its typical home costs $266,000 against $244,000 for Michigan and $289,000 for the U.S. Within the county, ZIP-level values run from about $203,000 to $306,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Ionia County | $266,000 | $175 |
| Michigan | $244,000 | $187 |
| United States | $289,000 | $193 |
Ionia County home prices by ZIP code
The 11 most valuable ZIP codes in Ionia County (of 11 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 48815 Clarksville | $306,000 | $339 | +15% |
| 48881 Saranac | $302,000 | $191 | +14% |
| 48875 Portland | $291,000 | $168 | +9% |
| 48873 Pewamo | $280,000 | $195 | +5% |
| 48809 Belding | $272,000 | $175 | +2% |
| 48849 Lake Odessa | $266,000 | $168 | +0% |
| 48865 Orleans | $256,000 | $192 | -4% |
| 48851 Lyons | $251,000 | $261 | -6% |
| 48860 Muir | $242,000 | $119 | -9% |
| 48846 Ionia | $229,000 | $148 | -14% |
| 48845 Hubbardston | $203,000 | $90 | -24% |
Home value appreciation in Ionia County
Home prices in Ionia County have risen about 114% over the last 10 years (≈7.9% a year) and +83.3% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +3.9% — still rising. A home worth $266,000 today was worth roughly $124,241 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Michigan is +96.7% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Ionia County
Run the numbers for Ionia County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Ionia County
To buy the typical $266,000 home in Ionia County with 20% down, you need a household income of roughly $72,000 a year (about $1,690 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $86,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $13,300 | $2,100/mo | $90,000/yr |
| 10% (+PMI) | $26,600 | $2,010/mo | $86,000/yr |
| 20% | $53,200 | $1,690/mo | $72,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Ionia County
At about $175 per square foot, here is roughly how much home different budgets get you in Ionia County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 860 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1140 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1430 sq ft | around the typical home here |
| $300k | 1710 sq ft | around the typical home here |
| $400k | 2290 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Michigan.
Estimate a specific home in Ionia County
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Ionia County home prices: frequently asked
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Browse all Michigan cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.