Market Overview
Home Prices in Cullman, AL
The median home value in Cullman, AL is $269,226 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4% compared to a year ago and up 3.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cullman are priced34% below average. Cullman is part of the Cullman, AL metro area.
Over the past five years, Cullman home values have risen by approximately28.8%, reflecting strong long-term appreciation in this market.
Price History
Cullman Home Price Trend
City Comparison
Cullman vs. National Median
At $269,226, homes in Cullman cost 34% below the national median of $410,000. This makes Cullman a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cullman?
20% Down Payment
$53,845
on $269,226
Monthly P&I
$1,404/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,783/mo
incl. taxes & insurance
Income Needed
$71,320
gross annual (30% rule)
10% Down Option
$26,923
+ PMI applies
Loan Amount (20% dn)
$215,381
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Cullman, AL?
The median home value in Cullman is $269,226 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4% year-over-year.
How much have home prices changed in Cullman?
Over the past year, home values in Cullman have increased by 4%. Over five years, prices have risen approximately 28.8%.
How much do I need to earn to buy a home in Cullman?
To comfortably afford the median home price of $269,226 with a 20% down payment ($53,845) at today's rates (6.8%), you'd need a gross annual income of approximately $71,320. This assumes keeping total housing costs at or below 30% of gross income.
How does Cullman compare to the national average home price?
The national median home value is approximately $410,000. At $269,226, homes in Cullman are 34% below the national average.
What metro area is Cullman part of?
Cullman is part of the Cullman, AL metropolitan area. Home prices and market conditions can vary across the broader metro region.