ZIP Code 35055 — Cullman, AL Home Prices (2026)
The typical home in ZIP 35055 (Cullman, Alabama) is worth about $252,000 at roughly $162 per square foot — 5% more affordable than the Cullman median and 14% more affordable than the typical U.S. home.
How 35055 compares
ZIP 35055 is one of the more affordable ZIP codes in Cullman: its typical home value of $252,000 ranks #3 of the 3 Cullman ZIP codes we track (the citywide range runs from $252,000 in 35055 to $286,000 in 35057). Per square foot it costs about $162, against $174 for Cullman as a whole, $153 for Alabama, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 35055 | $252,000 | $162 |
| Cullman, AL | $266,000 | $174 |
| Alabama | $204,000 | $153 |
| United States | $294,000 | $195 |
Home value by size in 35055
Using this ZIP’s rate of about $162 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $162,000 |
| 1,500 sq ft | $243,000 |
| 2,000 sq ft | $324,000 |
| 2,500 sq ft | $405,000 |
| 3,000 sq ft | $486,000 |
Salary needed to buy a home in ZIP 35055
To buy the typical $252,000 home in ZIP 35055 with 20% down, you need a household income of roughly $69,000 a year (about $1,600 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $81,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $12,600 | $1,990/mo | $85,000/yr |
| 10% (+PMI) | $25,200 | $1,900/mo | $81,000/yr |
| 20% | $50,400 | $1,600/mo | $69,000/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 ZIP 35055
At about $162 per square foot, here is roughly how much home different budgets get you in ZIP 35055:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 930 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1230 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1540 sq ft | around the typical home here |
| $300k | 1850 sq ft | around the typical home here |
| $400k | 2470 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 pre-filled with a typical 35055 home.
Estimate a specific home in 35055
The estimator below is pre-set to ZIP 35055 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Cullman ZIP codes by home value
Where 35055 sits among Cullman’s 3 ZIP codes:
ZIP 35055 home prices: frequently asked
What is the average home price in ZIP code 35055? +
What is the price per square foot in 35055? +
What salary do you need to buy a house in ZIP 35055? +
Is 35055 an expensive ZIP code? +
See the full Cullman home values page, all Alabama cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.