Cullman County, Alabama home prices
Typical home $252,044 · +3.2% in a year · property tax 0.26%
The typical home in Cullman County is worth $252,044, 6% more than the Alabama typical home ($238,614). Values changed +3.2% in the past year and +19.3% over five years. Homeowners here pay a median 0.26% of their home's value in property tax each year ($653 on the typical home), versus 0.38% statewide.
Mortgage on the typical Cullman County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $50,409 | $201,635 | $1,356 | $0 | $180 | $1,537 | $65,900 |
| 10% down | $25,204 | $226,839 | $1,526 | $95 | $180 | $1,801 | $77,200 |
| 5% down | $12,602 | $239,441 | $1,611 | $100 | $180 | $1,891 | $81,000 |
| 3.5% down (FHA) | $8,822 | $247,478 | $1,665 | $111 | $180 | $1,957 | $83,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.26% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Alabama · part of the Cullman metro area.
Alabama counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Tuscaloosa County | $249,799 | +0.6% | 0.32% |
| Tallapoosa County | $263,539 | -1.7% | 0.3% |
| Marshall County | $240,091 | +2.9% | 0.36% |
| Autauga County | $265,448 | +3.8% | 0.3% |
| Blount County | $235,551 | +2.1% | 0.3% |
| Cleburne County | $232,870 | +6.4% | 0.29% |
| Elmore County | $272,853 | +4.3% | 0.27% |
| Cherokee County | $229,115 | +0.8% | 0.38% |
| Morgan County | $227,725 | +0.7% | 0.34% |
| Lauderdale County | $227,549 | +3.2% | 0.38% |
Frequently asked questions
What is the average home price in Cullman County, AL?
The typical home value in Cullman County is $252,044 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cullman County?
About $65,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Cullman County?
The median effective rate is 0.26% of home value a year (Census ACS 2024 5-year estimates).