Cullman, AL

Very Low · 67

Alabama · Population 18,894 · Updated March 2026

$921
Median Rent / Month
$63,704
Median Income
$215,200
Median Home Value
$957
Owner Costs / Month

Affordability

How far your income goes in Cullman

17.3%
Rent-to-Income Ratio
Affordable
Rent takes less than 25% of median income — considered affordable by HUD standards.

Tax Burden in Alabama

State-level tax rates that affect your costs

5.0%
Income Tax (Top Rate)
4.0%
Sales Tax
0.41%
Property Tax Rate

Estimated Annual Costs

$11,052
Annual Rent
$3,185
State Income Tax
$882
Property Tax (est.)

Cost of Living Overview

Cullman is significantly cheaper than the national average, making it an attractive option for budget-conscious individuals and families. With a cost index of 67 (where 100 equals the national median), Cullman residents can expect to pay median rent of $921/month while earning a median household income of $63,704/year.

The median home value in Cullman, AL is $215,200, with typical monthly owner costs around $957 including mortgage, insurance, and taxes. The median rent-to-income ratio of 17.3% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.

Alabama has a moderate income tax rate of 5.0%. Combined with a 4.0% sales tax rate and 0.41% effective property tax rate, the overall tax environment is a factor in the total cost of living in Cullman.

Frequently Asked Questions

Common questions about living costs in Cullman

What is the cost of living in Cullman, AL?
The cost of living index in Cullman, AL is 67 (US average = 100). Median monthly rent is $921, median household income is $63,704/year, and the median home value is $215,200.
Is Cullman, AL affordable?
Yes, Cullman is more affordable than the national average with a cost index of 67. The rent-to-income ratio is 17.3%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Cullman, AL?
The median gross rent in Cullman, AL is $921 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $11,052.
What is the median household income in Cullman?
The median household income in Cullman, AL is $63,704 per year. This compares to the national median of approximately $80,000.
What are the taxes like in Alabama?
Alabama has a top income tax rate of 5.0%, a sales tax of 4.0%, and an effective property tax rate of 0.41%.