Cullman, AL home prices
Typical home $252,048 · +3.1% in a year · income needed $65,900
The Cullman, AL metro area ranks 449 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.1% in a year and +19.2% over five years. With 20% down at 7.11%, the typical home costs about $1,537 a month including 0.26% property tax (Cullman County rate).
Mortgage on the typical Cullman home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $50,410 | $201,638 | $1,356 | $0 | $180 | $1,537 | $65,900 |
| 10% down | $25,205 | $226,843 | $1,526 | $95 | $180 | $1,801 | $77,200 |
| 5% down | $12,602 | $239,446 | $1,611 | $100 | $180 | $1,891 | $81,000 |
| 3.5% down (FHA) | $8,822 | $247,483 | $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.
Counties in the Cullman area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Cullman County, AL | $252,044 | +3.2% | 0.26% |
What can you afford in Alabama on your salary? · Alabama home prices · Salaries in Alabama
Frequently asked questions
How much is a house in Cullman?
The typical home in the Cullman, AL metro area is worth $252,048 (Zillow, September 2026).
What salary do you need to buy a house in Cullman?
About $65,900 a year for the typical home with 20% down at 7.11%.