1st Advantage MortgageIn Cullman County, Alabama, the typical household earns $62,656 a year and the typical rent is $908. A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Alabama license first.
On this page
- Cullman County by the numbers
- What Cullman County households earn
- Cullman County housing compared with Alabama
- How Cullman County residents earn a living
- Places inside Cullman County
- Cullman County next to its neighbors
- Cullman County households compared
- Local borrowing considerations for Cullman County
- Budget math at the Cullman County median
- Checking a lender's license in Alabama
- Steps before you apply in Cullman County
- More guides for Cullman County
- Frequently asked questions
Cullman County by the numbers
Roughly 90,566 residents live in Cullman County, Alabama, 17th by population among the state's 67 counties and county equivalents. It covers 735 square miles of land, or about 123 people per square mile. No metropolitan area includes Cullman County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. The Census Bureau counts 12 places in the county (11 incorporated, 1 census-designated); the largest is Cullman, with about 19,319 residents, or 21% of the county.
What Cullman County households earn
Cullman County households have a median income of $62,656 (ACS 2020 to 2024), which ranks 16th of 67 in Alabama.
| Household income | Cullman County | vs Alabama |
|---|---|---|
| Under $35,000 | 27.7% | -0.5 pts |
| $35,000 to $99,999 | 43.6% | +2.5 pts |
| $100,000 to $199,999 | 22.6% | -0.2 pts |
| $200,000 or more | 6.1% | -1.7 pts |
The spread is wide: 29% of Cullman County households make $100,000 or more, and 28% make less than $35,000. The poverty rate is 15.3%, the same as the state's 15.6%. For a borrower in Cullman County, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
Cullman County housing compared with Alabama
A typical Cullman County rental runs $908 a month including utilities, which is 10% below Alabama. By the Census definition, 39% of Cullman County renters are cost-burdened. With a median value of $199,100, a typical Cullman County house costs 3.2 times what the median household earns in a year. 77% of Cullman County households own their home and 23% rent.
| Cullman County | Alabama | U.S. county median | |
|---|---|---|---|
| Median gross rent | $908/mo | $1,007/mo | $877/mo |
| Median home value | $199,100 | $209,900 | $185,300 |
| Owners | 77% | 70% | 75% |
| Rent-burdened renters | 39% | 49% | 45% |
| Burdened owners | 23% | 24% | n/a |
| Mobile homes | 19.8% | 12.3% | n/a |
| Vacant units | 11% | 15% | n/a |
Owners with equity have a second option. Weigh a secured line against an unsecured loan by risk as well as cost before you choose (how they compare).
How Cullman County residents earn a living
The biggest employer of Cullman County residents, by industry, is education and health care at 20% of workers, followed by manufacturing (17%). Manufacturing stands out: 17% of workers here, versus 14% statewide. ACS puts five-year average unemployment at 3.8% in Cullman County. About 83% drive to work alone and 24% have trips of 45 minutes or more. 3.2% of households have no vehicle.
| Top industries | Cullman County share | +/- vs Alabama |
|---|---|---|
| Education and health care | 19.9% | -2.8 pts |
| Manufacturing | 17.2% | +3.1 pts |
| Retail trade | 12.1% | +0.5 pts |
| Construction | 9.8% | +2.8 pts |
| Professional and administrative services | 7.6% | -2.5 pts |
| Arts, lodging and food service | 7.5% | -0.6 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
Places inside Cullman County
The table lists the 12 largest of 12 Census places in Cullman County, by population. Together all 12 hold about 31,033 people, so roughly 66% of residents live outside any named place. Good Hope has the highest median household income on the list ($93,661) and Hanceville the lowest ($41,791), counting places with at least 500 residents. Median rent ranges from $639 in West Point to $1,574 in Berlin. No Cullman County place has a separate guide yet; this county page serves all 12.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Cullman | city | 19,319 | $61,224 | $925 | 4 mi |
| Hanceville | city | 3,270 | $41,791 | $812 | 8 mi |
| Good Hope | city | 2,574 | $93,661 | $884 | 1 mi |
| Baileyton | town | 1,039 | $63,143 | $879 | 17 mi |
| Berlin | town | 887 | $70,982 | $1,574 | 8 mi |
| Fairview | town | 796 | $56,250 | $689 | 14 mi |
| Holly Pond | town | 782 | $42,333 | $740 | 15 mi |
| South Vinemont | town | 693 | $50,795 | $810 | 7 mi |
| West Point | town | 543 | $68,365 | $639 | 9 mi |
| Dodge City | town | 494 | $63,594 | $667 | 6 mi |
| Colony | town | 343 | $42,386 | $625 | 13 mi |
| East Point | CDP | 293 | $160,531 | n/a | 6 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
Cullman County next to its neighbors
Distances run center to center, from Blount County at 20 miles out to Lawrence County at 38. Income ranges from $56,509 in Walker County to $68,845 in Morgan County; 3 of these neighbors top Cullman County's median.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Cullman County | - | $62,656 | $908/mo | 77% |
| Blount County, AL | 20 mi | $64,190 | $776/mo | 81% |
| Morgan County, AL | 22 mi | $68,845 | $864/mo | 73% |
| Winston County, AL | 28 mi | $57,256 | $803/mo | 76% |
| Marshall County, AL | 34 mi | $62,571 | $795/mo | 76% |
| Walker County, AL | 34 mi | $56,509 | $756/mo | 76% |
| Lawrence County, AL | 38 mi | $66,071 | $753/mo | 82% |
Cullman County households compared
20% of Cullman County adults 25 and older hold a bachelor's degree or more. 10.9% of residents have no health coverage.
| Residents | Cullman County | Alabama | Middle U.S. county |
|---|---|---|---|
| Median age | 40.8 | 39.3 | 41.5 |
| Bachelor's or higher | 19.7% | 28.4% | 22.2% |
| No high school diploma | 13.7% | 11.4% | n/a |
| No health insurance | 10.9% | 9.2% | 7.8% |
| No vehicle | 3.2% | 5.4% | 5.4% |
| Work from home | 4.2% | 8.8% | 8.7% |
| Poverty rate | 15.3% | 15.6% | 13.2% |
| Unemployment (ACS) | 3.8% | 4.7% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 29.5% |
| 15 to 29 min | 34.2% |
| 30 to 44 min | 12.5% |
| 45 to 59 min | 9.8% |
| 60+ min | 13.9% |
Local borrowing considerations for Cullman County
What the Cullman County figures suggest, and what to check first:
- Uninsured care. 11% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Keeping the car running. At 24% with long commutes, repairs are a frequent Cullman County emergency; first decide if the car is worth fixing.
- Repairs on manufactured housing. With 20% of homes here, compare a personal loan with any dealer or park repair program.
Budget math at the Cullman County median
Cullman County at the medians, through a lender's eyes (what DTI means):
- $62,656 a year is $5,221 of gross monthly income
- Median rent: $908, or 17 cents of every gross dollar
- 36% debt-to-income limit: $972 left for all other debt payments
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Checking a lender's license in Alabama
No county office licenses personal lenders. For Cullman County, check the Alabama State Banking Department. The Consumer Financial Protection Bureau accepts complaints nationwide. Statewide data and rules: Alabama guide.
Steps before you apply in Cullman County
Four checks before you sign anything:
- Write down what the expense costs; a smaller loan costs less.
- Prequalify with soft pulls where offered, then compare in writing.
- Check the license, then the reviews, then the offer.
- Ask about early-payoff penalties.
More guides for Cullman County
The Alabama guide covers the whole state.
Frequently asked questions
Is Cullman County a high-income county?
Its $62,656 median ranks 16th of 67 Alabama counties and compares with $65,681 for the median U.S. county.
How does Cullman County rent compare with Alabama?
$908 locally versus $1,007 for the state, 10% below.
What are the biggest places in Cullman County?
By population: Cullman, Hanceville, Good Hope, Baileyton, Berlin. The county has 12 Census places in all.
Can Cullman County residents use the questionnaire?
Yes. It asks the same questions in every Alabama county, lists every requirement up front and does not affect your credit score.
Who regulates personal lenders for Cullman County residents?
The Alabama State Banking Department licenses consumer lenders in Alabama; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.