In Cullman, a typical home is worth $238,900 and typical rent is $925 a month. Compared with all of Cullman County, the typical home value is 20% higher and the share of households that own their home is 15 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $212,996 to $261,429.
Typical rent
$1,512a month
▲ 4.1% more than 12 months ago
Typical rent from Zillow, March 2025 to September 2026: from $1,444 to $1,512.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Cullman is in Cullman 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 Cullman County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Oneonta, the typical rent is $638: 31% less than in Cullman ($925).
2
61% of households in Cullman own their home, against 77% in Cullman County.
3
The typical home in Cullman is worth $238,900,20% more than in Cullman County as a whole ($199,100).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Cullman
What homes there are in Cullman, 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
Cullman
Cullman County
Alabama
United States
Kind of home: Cullman and its comparisons
Measure
Cullman
Cullman County
Alabama
United States
Detached house
69%
70%
69%
61%
Attached house
Unreliable estimate
1%
2%
6%
Building of 2 to 4
13%
5%
5%
8%
Apartments (5 or more)
15%
5%
12%
19%
Mobile home
Unreliable estimate
20%
12%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is the most common home in Cullman: 69% of homes, near the figure in Cullman County (70%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Cullman
Cullman County
Alabama
United States
Year built: Cullman and its comparisons
Measure
Cullman
Cullman County
Alabama
United States
Before 1960
20%
13%
16%
26%
1960–1979
40%
28%
26%
24%
1980–1999
24%
32%
29%
25%
2000–2009
7%
12%
15%
14%
2010 or later
10%
15%
13%
11%
Homes in Cullman are older: the typical year built is 1976; in Cullman County, 1987.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K7%
$100K–$200K27%
$200K–$300K30%
$300K–$500K26%
$500K–$750K5%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Cullman and its comparisons
Measure
Cullman
Under $100K
7%
$100K–$200K
27%
$200K–$300K
30%
$300K–$500K
26%
$500K–$750K
5%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
About 92% of owner-occupied homes in Cullman are worth less than the FHA loan limit for Cullman County ($541,287).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50016%
$500–$99947%
$1,000–$1,49926%
HUD fair market rent, 2 bedrooms: $1,034
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Cullman and its comparisons
Measure
Cullman
Under $500
16%
$500–$999
47%
$1,000–$1,499
26%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
HUD's 2-bedroom fair market rent (FMR) for Cullman County is $1,034: about 65% of rents in Cullman are below it.
With a mortgage
$1,514 a month
Cullman County: $1,359 a month
Without a mortgage
$473 a month
Cullman County: $435 a month
Owners with a mortgage
55%
Cullman County: 49%
The typical cost for an owner with a mortgage in Cullman is $1,514 a month, more than in Cullman County ($1,359); without one, $473.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Cullman+67%
Cullman County+55%
Alabama+47%
United States+53%
Typical rent
Cullman+38%
Cullman County+29%
Alabama+27%
United States+33%
Typical household income
CullmanNo clear change
Cullman County+40%
Alabama+27%
United States+29%
Change since 2015–2019: Cullman and its comparisons
Measure
Cullman
Cullman County
Alabama
United States
Typical home value
+67%
+55%
+47%
+53%
Typical rent
+38%
+29%
+27%
+33%
Typical household income
No clear change
+40%
+27%
+29%
Since 2015–2019, homes in Cullman gained value faster than in Cullman County: 67% against 55%.
The typical rent in Cullman rose 38% over the same time; in Cullman County, it rose 29%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Cullman and its comparisons
Measure
Cullman
Cullman County
Alabama
United States
Rental vacancy
Unreliable estimate
4.6%
7.2%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
2.6%
1.7%
3.4%
People per household
2.32
2.53
2.48
2.53
Drive alone
88%
83%
81%
69%
Carpool
Unreliable estimate
11%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
1%
1%
3%
Work from home
6%
4%
9%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Cullman has 2.32 people, fewer than in Cullman County (2.53).
In Cullman, 88% of workers drive alone to work; in Cullman County, 83%.
Do the math
What would you pay each month for a home in Cullman?
A typical home costs more than the typical income allows
We start with a typical home in Cullman, worth $238,900, 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 Cullman, which is $61,224 a year. For that payment to be 28% of income, a household would need to earn about $79,713 a year.
The calculator's FHA and conventional loan limits are those of all of Cullman 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 Cullman. 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 $8,362 (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
$1,860
at 7.18% · 30 years
Loan amount
$234,572
Total interest
$337,495
Paid off in
November 2056
Includes $4,034 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,429 a month
Tight
$1,429 to $1,837 a month
Hard
more than $1,837 a month
Your payment · 36%
Compared with the typical household income in Cullman ($61,224 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,589
Property tax
$66
Home insurance
$100
FHA mortgage insurance (MIP)
$106
You need at least $8,362 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 $1,860; principal and interest $1,589.
The city and its county
Cullman and Cullman County
Cullman is in Cullman County, Alabama. 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).
Cullman
Map of Cullman County, Alabama, with Cullman marked. Around it, the neighboring counties.
Cullman
Cullman County
Other cities with a page
Cullman's own numbers
Typical home value
$238,900
Typical monthly rent
$925
Typical yearly household income
$61,224
Households that own their home
61%
Effective property tax rate
0.33%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Cullman County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,034
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
0.8%
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 Cullman County.
A typical home in Cullman is worth $238,900: 20% above the county and 14% above Alabama. With the typical household income in Cullman ($61,224 a year), a typical home costs 3.9 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.
Cullman3.9 years
County3.2 years
Alabama3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Cullman County
According to FHFA’s house price index, home prices in Cullman County rose 76% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Cullman County.
Yearly change in FHFA’s price index in Cullman County, 2016 to 2025
2016: +1.7% +1.7% 2016
2017: +4.5% +4.5% 2017
2018: +3.4% +3.4% 2018
2019: +2.5% +2.5% 2019
2020: +5.1% +5.1% 2020
2021: +9.7% +9.7% 2021
2022: +21.5% +21.5% 2022
2023: +2.4% +2.4% 2023
2024: +9.0% +9.0% 2024
2025: −0.3% −0.3% 2025
Change in FHFA’s price index in Cullman County, Alabama and the United States
Period
County
Alabama
U.S.
Last year (2025)
−0.3%
+2.5%
+2.9%
5 years (2020–2025)
+48%
+47%
+47%
10 years (2015–2025)
+76%
+77%
+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
Cullman next to Cullman County, Alabama and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Cullman$238,900
County$199,100
Alabama$209,900
United States$332,700
Typical monthly rent
Cullman$925
County$908
Alabama$1,007
United States$1,413
Typical yearly household income
Cullman$61,224
County$62,656
Alabama$63,999
United States$80,734
See the full table
Cullman next to Cullman County and Alabama
Measure
Cullman
Cullman County
Alabama
U.S.
Typical home value
$238,900 ▲20% above the county
$199,100
$209,900
$332,700
Typical monthly rent
$925
$908
$1,007
$1,413
Typical yearly household income
$61,224 ▼2% below the county
$62,656
$63,999
$80,734
Households that own their home
61% ▼15 points below the county
77%
70%
65%
Typical yearly property tax
$782 ▲52% above the county
$516
$788
$3,119
Effective property tax rate
0.33% ▲0.07 points above the county
0.26%
0.38%
0.94%
Renters with high rent for their income
40% ▲1 points above the county
39%
49%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Cullman 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 Cullman
For a typical $238,900 home in Cullman, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cullman's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,860a month
Least cash to close
Down payment
$8,362
Cash to close
$15,529
Rate
7.18%
Mortgage insurance
FHA MIP · $106
Conventional, 5% down$1,816a month
Down payment
$11,945
Cash to close
$19,112
Rate
7.18%
Mortgage insurance
PMI · $113
Conventional, 20% down, no PMI$1,460a month
Down payment
$47,780
Cash to close
$54,947
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,681a month
Down payment
$35,835
Cash to close
$43,002
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Cullman
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,860
$8,362
$234,573
7.18%
FHA MIP · $106
$15,529
580
Conventional, 5% down
$1,816
$11,945
$226,955
7.18%
PMI · $113
$19,112
620*
Conventional, 20% down, no PMI
$1,460
$47,780
$191,120
7.18%
None
$54,947
620*
ITIN, 15% down (example)
$1,681
$35,835
$203,065
8.18%
None
$43,002
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.
Typical rent in Cullman is $925 a month: about the same as the county. In Cullman, 40% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Cullman County, by unit size. To pay the 2-bedroom one ($1,034 a month) without spending more than 30% of your income, you would need to earn $19.88 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 Cullman County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$785
$15.10
$31,400
1 bedroom
$790
$15.19
$31,600
2 bedrooms
$1,034
$19.88
$41,360
3 bedrooms
$1,356
$26.08
$54,240
4 bedrooms
$1,581
$30.40
$63,240
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 Cullman
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cullman is in ZIP code 35055.
For 2 bedrooms it is $1,070: $36 more than the fair market rent for Cullman County ($1,034).
Fair market rent by ZIP code and size in Cullman, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
35055
$810
$820
$1,070
$1,400
$1,640
ZIP code2 bd3 bd
35055 $1,070$1,400
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cullman 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)
HUD lists 10 buildings with rents for lower incomes in Cullman. These are the largest.
Westfield Addn1301A Logan St SW, Cullman 35055165 low-income homes · Run by Ha Cullman · Average payment: $309 a month · Average wait: 6 months(256) 734-6171
Hilltop103 Rosemont Ave SW, Cullman 35055161 homes, 155 low-income · Run by Ha Cullman · Average payment: $328 a month · Average wait: 14 months(256) 734-6171
Sara's Ridge Apts1633 Lee Ave SW, Cullman 3505556 low-income homes · 2 bd: 56 · In service since 2007 · For older adults, people with disabilities
Nesmith Park Apartments207 McNabb Rd SW, Cullman 3505553 low-income homes · For older adults(256) 734-6400
Cullman Manor463 Harmony Ln SW, Cullman 3505550 low-income homes · For older adults(256) 739-4140
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.
There is 1 HUD-approved agency with an office in Cullman County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Cullman or Cullman County. The ones below are statewide in Alabama: they work in Cullman the same as in the rest of the state.
Alabama state authority program with down payment assistance of 4% of the price (up to $10,000) as a 10-year second mortgage, alongside a 30-year fixed mortgage.Offered by Alabama Housing Finance Authority (AHFA).
Alabama state authority 30-year low-rate mortgage, for first-time buyers and for people who have owned a home before, with down payment assistance of 4% of the price, up to $10,000, as a ten-year second mortgage.Offered by Alabama Housing Finance Authority (AHFA).
Alabama state authority grant for closing costs with an HFA Advantage conventional loan: 1% of the loan if you earn up to 50% of the area median, or half a percent if you earn 50% to 80%.Offered by Alabama Housing Finance Authority (AHFA).
No legal help resource on our list is for Cullman or Cullman 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 Cullman and all of Cullman 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 Cullman?
The typical home value in Cullman is $238,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cullman County it is $199,100.
How much does it cost to rent in Cullman?
Typical rent in Cullman is $925 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cullman County is $1,034.
What is the FHA loan limit in Cullman?
Cullman uses the FHA limit for all of Cullman 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 Cullman?
The typical homeowner in Cullman pays $782 a year, according to the U.S. Census Bureau. That is 0.33% of the home’s value; in Cullman County, the rate is 0.26%.
Where can I find free help to buy or rent in Cullman?
There is 1 HUD-approved counseling agency with an office in Cullman County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
