Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$252,044+3.2% YoY · prices are rising fast
Market right nowBuyer's marketMore homes for sale than last year, 14% have cut their price
Income needed to buy, per year$54,638About 0.8× the local median income ($64,722): affordable for a typical household
Days on market80 daysSlower than a year ago: buyers have time to negotiate
The typical home in Cullman County, AL is worth $252,044, up 3.2% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $245,593, so the area is 2.6% overvalued. It is a buyer's market: homes take about 80 days to sell, listings are up 22% from a year ago, 14% of listings have had a price cut. A household needs about $54,638 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $64,722. Typical rent is $1,419 a month. In the latest IRS figures, 923 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$252,044
Change in 1 year
+3.2%
Overvalued %
+2.6%
Show 6 more
Fair home value
$245,593
Change in 5 years
+19.3%
Home value to income
3.9×
Monthly mortgage payment (20% down)
$1,366
Income needed to afford it
$54,638
Property tax rate
0.26%
Rent and investing
Typical rent
$1,419
Price-to-rent ratio
14.8×
HUD Fair Market Rent, 2 bedrooms
$1,034
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Gross rental yield
6.76%
Cap rate (estimate)
4.39%
Market activity
Listings vs a year ago
+21.7%
Days on market
80
Listings with a price cut
14.3%
Show 3 more
Homes for sale
527
Pending sales per 100 listings
23
Asking price per sq ft
$172
People and jobs
Median household income
$64,722
Population change (1 year)
+1.3%
Unemployment rate
3.8%
Show 4 more
Population
94,009
Income adjusted for cost of living
$77,791
Net moves in (IRS)
+923
Cost of living (US = 100)
83.2
Schools, risk and environment
School rating (1 to 10)
6.8
FEMA hazard risk score (0 to 100)
81.9
Flood risk score
80.2
Show 3 more
Wildfire risk score
65.1
Walkability (1 to 20)
5.1
Road, rail and air noise
54 dB
Questions people ask
Is Cullman County, AL overvalued?
Home prices in Cullman County, AL are slightly above what local incomes have historically supported: fair value is about $245,593, so the area is 2.6% overvalued.
Is Cullman County, AL a buyer's or seller's market?
Cullman County, AL is a buyer's market: homes take about 80 days to sell, listings are up 22% from a year ago, 14% of listings have had a price cut.
Are home prices going down in Cullman County, AL?
Home values in Cullman County, AL are up 3.2% over the last year.
How much do you need to earn to buy a home in Cullman County, AL?
A household needs about $54,638 a year to afford the typical home in Cullman County, AL at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $64,722.