Cullman County, Alabama: commercial real estate data.
Cullman County, Alabama has a population of 90,566 across 735 square miles, up 5.4 percent since the 2020 census base. County output reached $4.28 bn in 2024, 1,867 establishments operate here, and the SBA record carries 38 7(a) approvals worth $23.4 m.
118 sourced county values · tier FULL · 11 sections
Cullman County
How many people live in Cullman County
- Population90,566
- Households35,347
- Average household size2.56
- Median household income$62,656
- Median age40.8
- Median gross rent$908 per month
- Median owner-occupied home value$199,100
- Home value to household income3.2 times
- Annual rent as a share of median income17.4 percent
- Adults 25 and over with a bachelor degree or higher19.7 percent
- Adults 25 and over with a graduate degree6.6 percent
- Adults 25 and over63,243
- Population under 1820,313
- Share under 1822.4 percent
- Population 65 and over17,234
- Share 65 and over19.0 percent
- Working age population, 18 to 6453,019
- Civilian labor force42,117
- Unemployment rate3.8 percent
- Labor force participation, adults 18 and over60.0 percent
- Rank by population among Alabama counties17th of 67
- Rank by population among US county-equivalents667th
Cullman County is the 17th largest of 67 Alabama counties by population. A median home costs 3.2 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 22.4 percent against 19.0 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Cullman County
Is Cullman County growing
- Population change since the 2020 census base5.40 percent
- Census 2020 base population87,861
- Births, 2024999
- Deaths, 20241,233
- Natural change, 2024-234
- Net domestic migration, 2024856
- Net international migration, 202470
- Total net migration, 2024926
- Cumulative net domestic migration, 2021 to 20245,406
- Rank by growth among US county-equivalents484th
The county has grown 5.40 percent since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Cullman County
Where people moving to Cullman County come from
- Tax returns filed by households arriving1,919
- People arriving, from those returns3,887
- Adjusted gross income arriving$125.1 m
- Net adjusted gross income movement$0
- Average income of an arriving household$65,185
- Largest single originCullman County Non-migrants (28,777 households)
- Largest single destination (28,777 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Cullman County Non-migrants | 28,777 | 62,539 | $2.11 bn |
| Other flows - Different State | 615 | 1,271 | $43.1 m |
| Other flows - South | 370 | 720 | $23.7 m |
| Jefferson County | 229 | 443 | $19.3 m |
| Morgan County | 216 | 442 | $10.4 m |
| Other flows - Same State | 183 | 352 | $11.2 m |
| Blount County | 150 | 331 | $7.6 m |
| Marshall County | 131 | 282 | $4.9 m |
The largest single source of arrivals is Cullman County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Cullman County
What the Cullman County economy runs on
- County GDP, 2024$4.28 bn
- County GDP, 2023$4.05 bn
- GDP change, 2023 to 20245.9 percent
- GDP change over five years43.4 percent
- Rank by GDP among Alabama counties15th
- Rank by GDP among US county-equivalents774th
- GDP per resident$47,311
Output grew 5.9 percent in the latest year and 43.4 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Cullman County
Who employs people in Cullman County
- Covered employment, annual average31,068
- Establishments reporting2,308
- Average annual pay$51,811
- Average weekly wage$996
- Sector 31-33, employment6,533
- Sector 31-33, average annual pay$62,080
- Sector 44-45, employment4,224
- Sector 44-45, average annual pay$37,103
- Sector 62, employment4,153
- Sector 62, average annual pay$56,921
- Sector 72, employment2,803
- Sector 72, average annual pay$21,548
- Sector 48-49, employment2,107
- Sector 23, employment1,592
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 6,533 | 150 | $62,080 |
| Sector 44-45 | 4,224 | 378 | $37,103 |
| Sector 62 | 4,153 | 344 | $56,921 |
| Sector 72 | 2,803 | 164 | $21,548 |
| Sector 48-49 | 2,107 | 99 | $62,121 |
| Sector 23 | 1,592 | 260 | $61,822 |
| Sector 56 | 1,058 | 91 | $39,838 |
| Sector 42 | 835 | 112 | $73,320 |
The largest sector is the biggest private employer group at 6,533 jobs, 21.0 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Cullman County
What businesses operate in Cullman County
- Establishments, all industries1,867
- Employment at those establishments27,591
- Annual payroll$1.30 bn
- Establishments per 1,000 residents20.6
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Cullman County
What is being built in Cullman County
- Housing units authorised by permit, 2024177
- Declared construction value permitted$37.4 m
- Single family units authorised165
- Multifamily units authorised12
- Multifamily share of units6.8 percent
- Average declared value per unit$211,496
- Units authorised per 1,000 households5.0
Multifamily is 6.8 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Cullman County
How much SBA lending happens in Cullman County
- 7(a) approvals recorded38
- 7(a) gross approval dollars$23.4 m
- Average 7(a) approval$615,724
- Median 7(a) approval$160,000
- 10th percentile approval$15,000
- 90th percentile approval$2,493,000
- Largest single approval$3,708,000
- Jobs reported supported, 7(a)457
- Jobs per approval12.0
- Distinct 7(a) lenders active24
- Distinct industries receiving approvals25
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer18.4 percent
- Loans on real estate terms7
- Loans on working capital terms, 120 months or shorter30
- Franchise loans2
- Franchise share of approvals5.3 percent
- Leading industry by approval countInsurance Agencies and Brokerages (4)
- Most active lenderNortheast Bank (5)
- 504 approvals recorded33
- 504 gross approval dollars$28.3 m
- Average 504 approval$857,333
- Median 504 approval$444,000
- Distinct CDCs active4
- 504 jobs per approval6.8
- 504 jobs per million dollars approved8.0
- Most active CDCSouthern Development Council (16)
- 7(a) share of SBA approvals53.5 percent
- Combined SBA approval dollars$51.7 m
The average approval of $615,724 sits well above the median of $160,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 18.4 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Cullman County
Do SBA loans in Cullman County get paid back
- Loans with a final outcome recorded4
- Paid in full4
- Charged off0
- Status: Paid in full4
- Status: Exempt from disclosure24
- Status: Cancelled10
Too few loans have reached a final outcome to publish a charge off rate. only 4 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cullman County
Which parts of Cullman County get the lending
- Places in the county with recorded lending4
- CULLMAN, approvals32
- CRANE HILL, approvals3
- Holly Pond, approvals2
- HANCEVILLE, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| CULLMAN | 32 | $22,093,000 |
| CRANE HILL | 3 | $1,204,500 |
| Holly Pond | 2 | $80,000 |
| HANCEVILLE | 1 | $20,000 |
CULLMAN accounts for 32 approvals against 3 in CRANE HILL. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cullman County
How big is Cullman County
- Land area735 sq mi
- Rank by land area among Alabama counties27th of 67
- Width, east to west40 mi
- Height, north to south31.5 mi
- Geographies sharing a boundary6
- Residents per square mile of land123
- Establishments per square mile2.54
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Cullman County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Cullman County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population90,566
- Households35,347
- Average household size2.56
- Median household income$62,656
- Median age40.8
Common questions
Cullman County questions, answered from the record.
How many people live in Cullman County, Alabama?
90,566, in 35,347 households, ranking 17th of 67 Alabama counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Cullman County growing?
The population has grown 5.40 percent since the 2020 census base. In 2024 there were 999 births against 1,233 deaths, with net migration of 926. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Cullman County?
$62,656. The median owner-occupied home is valued at $199,100, which is 3.2 times income, and median gross rent is $908 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Cullman County?
1,867 establishments, employing 27,591 people with an annual payroll of $1.30 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Cullman County?
Average annual pay is $51,811, or $996 a week, across 31,068 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Cullman County?
38 7(a) approvals totalling $23.4 m since FY2020, across 24 lenders, with a median approval of $160,000, plus 33 504 approvals worth $28.3 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Cullman County?
177 housing units were authorised by permit in 2024, with a declared construction value of $37.4 m. Multifamily was 6.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Cullman County?
Zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Cullman County come from?
The largest single origin is Cullman County Non-migrants, with 28,777 households. Arriving households report an average income of $65,185 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Cullman County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Cullman County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.