Cullman County, AL Average Home Price (2026)
The average home price in Cullman County, Alabama is about $243,000 (the 2026 median across 11 ZIP codes, at ~$167/sq ft) — 21% more expensive than the Alabama median and 16% more affordable than the typical U.S. home.
How Cullman County compares
Cullman County is about average for housing nationally: its typical home costs $243,000 against $201,000 for Alabama and $289,000 for the U.S. Within the county, ZIP-level values run from about $210,000 to $539,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Cullman County | $243,000 | $167 |
| Alabama | $201,000 | $150 |
| United States | $289,000 | $193 |
Cities in Cullman County
Cities with their own home-value page, largest first:
Cullman County home prices by ZIP code
The 11 most valuable ZIP codes in Cullman County (of 11 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 35053 Crane Hill | $539,000 | $371 | +122% |
| 35033 Bremen | $311,000 | $314 | +28% |
| 35057 Cullman | $279,000 | $199 | +15% |
| 35058 Cullman | $260,000 | $167 | +7% |
| 35055 Cullman | $250,000 | $162 | +3% |
| 35098 Logan | $243,000 | $175 | +0% |
| 35179 Vinemont | $243,000 | $173 | +0% |
| 35083 Holly Pond | $228,000 | $156 | -6% |
| 35019 Baileyton | $224,000 | $142 | -8% |
| 35087 Joppa | $214,000 | $154 | -12% |
| 35077 Hanceville | $210,000 | $149 | -14% |
Home value appreciation in Cullman County
Home prices in Cullman County have risen about 76% over the last 10 years (≈5.8% a year) and +94.4% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at -0.3% — roughly flat. A home worth $243,000 today was worth roughly $138,383 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Alabama is +77.2% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Cullman County
Run the numbers for Cullman County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Cullman County
To buy the typical $243,000 home in Cullman County with 20% down, you need a household income of roughly $66,000 a year (about $1,540 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $79,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $12,200 | $1,920/mo | $82,000/yr |
| 10% (+PMI) | $24,300 | $1,830/mo | $79,000/yr |
| 20% | $48,600 | $1,540/mo | $66,000/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 Cullman County
At about $167 per square foot, here is roughly how much home different budgets get you in Cullman County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 900 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1200 sq ft | around the typical home here |
| $250k | 1500 sq ft | around the typical home here |
| $300k | 1800 sq ft | around the typical home here |
| $400k | 2400 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 Alabama.
Estimate a specific home in Cullman County
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Cullman County home prices: frequently asked
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Browse all Alabama 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.