Income needed to buy a home
Cullman County, AL
$80,682
a year in household income to buy the typical Cullman County home with 10% down.
The monthly math
Typical home value$258,633
Down payment (10%)$25,863
Loan$232,770
Principal and interest (7.40%)$1,612/mo
Property tax (0.21% a year)$45/mo
Homeowners insurance (estimate)$129/mo
Mortgage insurance$97/mo
Total monthly cost$1,883/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
A stretch
The typical household here earns $62,656 a year, 78% of what it takes.
In Alabama
Cullman County ranks #58 of 67 for the income a home takes, from least to most.
Easiest to afford in Alabama
| County | Typical home | Income needed |
|---|---|---|
| Dallas County | $88,696 | $28,151 |
| Sumter County | $100,676 | $31,651 |
| Butler County | $118,112 | $37,065 |
| Bullock County | $123,110 | $38,884 |
| Choctaw County | $125,093 | $38,894 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.