Cullman County, Alabama: commercial real estate data.
Cullman County, Alabama had an estimated 92,604 residents on July 1, 2024, up 5.4 percent since the 2020 census base of 87,861, across 735 square miles. 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Cullman County
How many people live in Cullman County
- Population, American Community Survey 2020-202490,566
- 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-equivalents, Puerto Rico included667th of 3,222
Cullman County is the 17th largest of 67 Alabama counties by population. A median home costs 3.2 times median household income, which is moderately unaffordable 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's population growing?
- Population, July 1, 202492,604
- Census 2020 base population87,861
- Population change since the 2020 census base5.40 percent
- Population change, 2023 to 2024695
- 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 of 3,144
The county has grown 5.40 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration 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 are people moving to Cullman County from?
- Tax returns filed by households arriving1,919
- People arriving, from those returns3,887
- Tax returns filed by households leaving1,404
- Net household movement515
- Adjusted gross income arriving$125.1 m
- Net adjusted gross income movement$45.3 m
- Average income of an arriving household$65,185
- Average income of a leaving household$56,817
- Largest single originJefferson County (229 households)
- Largest single destinationMorgan County (205 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Jefferson County | 229 | 443 | $19.3 m |
| Morgan County | 216 | 442 | $10.4 m |
| Blount County | 150 | 331 | $7.6 m |
| Marshall County | 131 | 282 | $4.9 m |
| Madison County | 117 | 226 | $12.4 m |
| Walker County | 63 | 117 | $3.3 m |
| Winston County | 62 | 126 | $2.8 m |
| Shelby County | 53 | 103 | $3.5 m |
Households arriving report $8,368 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Jefferson County, 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 is the Cullman County economy?
- 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 the Alabama areas BEA publishes15th of 67
- Rank by GDP among the US county areas BEA publishes774th of 3,127
- 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
Employment by industry in Cullman County
- Covered employment, annual average31,068
- Establishments reporting2,308
- Average annual pay$51,811
- Average weekly wage$996
- Manufacturing, employment6,533
- Manufacturing, average annual pay$62,080
- Retail trade, employment4,224
- Retail trade, average annual pay$37,103
- Health care and social assistance, employment4,153
- Health care and social assistance, average annual pay$56,921
- Accommodation and food services, employment2,803
- Accommodation and food services, average annual pay$21,548
- Transportation and warehousing, employment2,107
- Construction, employment1,592
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 6,533 | 150 | $62,080 |
| Retail trade | 4,224 | 378 | $37,103 |
| Health care and social assistance | 4,153 | 344 | $56,921 |
| Accommodation and food services | 2,803 | 164 | $21,548 |
| Transportation and warehousing | 2,107 | 99 | $62,121 |
| Construction | 1,592 | 260 | $61,822 |
| Administrative and support and waste management services | 1,058 | 91 | $39,838 |
| Wholesale trade | 835 | 112 | $73,320 |
Manufacturing is the largest private sector at 6,533 jobs, 21.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Cullman County
How many businesses are 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. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Cullman County
Building permits in Cullman County
- Housing units authorized by permit, 2024177
- Declared construction value permitted$37.4 m
- Single family units authorized165
- Multifamily units authorized12
- Multifamily share of units6.8 percent
- Average declared value per unit$211,496
- Units authorized per 1,000 households5.0
Single-family homes are 93.2 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Cullman County
SBA loans in Cullman County (7(a) and 504)
- 7(a) approvals recorded38
- 7(a) gross approval dollars$23.4 m
- Average 7(a) approval$615,724
- Median 7(a) approval$157,450
- 10th percentile approval$18,500
- 90th percentile approval$2,186,820
- 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
- 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)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$51.7 m
The average approval of $615,724 sits well above the median of $157,450, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here 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
SBA loan default and charge-off rates in 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
Only 4 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cullman County
SBA lending by place in Cullman County
- Borrower cities with recorded lending4
- Cullman, approvals32
- Crane Hill, approvals3
- Holly Pond, approvals2
- Hanceville, approvals1
| Borrower city | 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 large 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.
Cullman County
Flood risk in Cullman County
- Participation of the county's own NFIP community Cullman County, unincorporated areasParticipating, community 010247
- Communities in the county in the NFIP Community Status Book12
- Of those, participating in the NFIP10
- NFIP participation rate83.3 percent
- Communities carrying a CRS class0
- Radon levels in Cullman County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The county's own community in the status book, unincorporated Cullman County (community 010247), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Cullman County in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 83.3 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
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.
- Population, American Community Survey 2020-202490,566
- 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?
The Census Bureau estimates 92,604 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 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's population growing?
The population has grown 5.40 percent since the 2020 census base of 87,861, to 92,604 on July 1, 2024. 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 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 employment by industry in Cullman County?
Manufacturing is the largest private sector at 6,533 jobs, 21.0 percent of covered employment. Covered employment averages 31,068 jobs at an average annual pay of $51,811, or $996 a week. 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 totaling $23.4 m since FY2020, across 24 lenders, with a median approval of $157,450, plus 33 504 approvals worth $28.3 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Cullman County?
177 housing units were authorized 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 Jefferson County, with 229 households. Arriving households report an average income of $65,185 against $56,817 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?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Cullman County
Cities and places in Cullman.
14 Census places lie wholly or partly in Cullman County. All 14 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Cullman | city | 19,319 | 32 | Wholly in this county |
| Hanceville | city | 3,270 | 1 | Wholly in this county |
| Good Hope | city | 2,574 | None recorded | Wholly in this county |
| Baileyton | town | 1,039 | None recorded | Wholly in this county |
| Berlin | town | 887 | None recorded | Wholly in this county |
| Fairview | town | 796 | None recorded | Wholly in this county |
| Holly Pond | town | 782 | 2 | Wholly in this county |
| South Vinemont | town | 693 | None recorded | Wholly in this county |
| Garden City | town | 557 | None recorded | Wholly in this county |
| West Point | town | 543 | None recorded | Wholly in this county |
| Dodge City | town | 494 | None recorded | Wholly in this county |
| Joppa | CDP | 448 | None recorded | 89.5 percent here, 10.5 percent Marshall County |
| Colony | town | 343 | None recorded | Wholly in this county |
| East Point | CDP | 293 | None recorded | Wholly in this county |
A further 3 of the county's 38 SBA 7(a) approvals are to borrowers in cities that match no Census place in Cullman County, the largest being Crane Hill (3). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby