HomeAlabamaCullman CountyCullman city
Cullman city, Alabama: commercial real estate data.
Cullman city is a Census city of 19,319 people across 22.83 square miles of land, in Cullman County. Median household income is $61,224, 61.5 percent of occupied homes are owned, and the SBA record carries 32 7(a) approvals to borrowers here worth $22.1 m.
76 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Cullman
What Cullman is
- Census place typecity
- Land area22.83 sq mi
- Water area1.34 sq mi
- Population per square mile of land846
- County holding the largest share of its areaCullman County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cullman
How many people live in Cullman
- Population19,319
- Median age40.8
- Population under 184,396
- Share under 1822.8 percent
- Population 65 and over3,585
- Share 65 and over18.6 percent
- Households8,038
- Family households5,000
- Share of households that are families62.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cullman
Income and work in Cullman
- Median household income$61,224
- Per capita income$35,681
- Civilian labor force9,277
- Employed9,008
- Unemployed269 plus or minus 152
- Unemployment rate2.9 percent plus or minus 1.6
- Adults 25 and over13,270
- Adults 25 and over with a high school diploma or higher90.2 percent
- Adults 25 and over with a bachelor degree or higher32.4 percent
- Adults 25 and over with a graduate degree11.6 percent plus or minus 2.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cullman
Housing in Cullman
- Housing units8,803
- Occupied units8,038
- Vacant units765 plus or minus 235
- Vacancy rate8.7 percent plus or minus 2.6
- Owner occupied4,942
- Renter occupied3,096
- Ownership rate61.5 percent
- Median owner-occupied home value$238,900
- Median gross rent, monthly$925
- Annual rent as a share of median income18.1 percent plus or minus 3.7
- Single family units6,168
- Share single family70.1 percent
- Units in buildings of two or more2,485
- Share in buildings of two or more28.2 percent
- Mobile homes150 plus or minus 88
- Median year structure built1976
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cullman
How Cullman gets to work
- Workers 16 and over who commute8,194
- Commuting under 15 minutes4,302
- Share commuting under 15 minutes52.5 percent
- Commuting 30 minutes or more1,952 plus or minus 492
- Share commuting 30 minutes or more23.8 percent plus or minus 5.4
- Drove alone87.5 percent
- Carpooled5.6 percent plus or minus 2.9
- Public transport0.0 percent
- Walked0.5 percent plus or minus 0.4
- Worked from home6.1 percent plus or minus 2.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cullman
SBA loans in Cullman (7(a))
- Approvals32
- Gross approval$22,093,000
- Average approval$690,406
- Median approval$175,000
- Ninetieth percentile approval$2,493,000
- Largest approval$3,708,000
- Jobs supported406
- Jobs per approval12.7
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more21.9 percent
- Share to franchises6.3 percent
- Distinct lenders21
- Distinct industries by NAICS21
A charge-off rate is not published here. only 2 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cullman
SBA loans in Cullman (504)
- Approvals24
- Gross approval$21,514,000
- Average approval$896,417
- Median approval$553,000
- Largest approval$3,953,000
- Jobs supported159
- Loans with a final outcome7
- Charged off0
- Median term240 months
- Distinct CDCs4
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Cullman County, not Cullman
Cullman County context, not Cullman figures
These are Cullman County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Cullman measurements.
- Establishments in Cullman County1,867
- Employment at those establishments, Cullman County27,591
- Covered employment, Cullman County31,068
- Average annual pay, Cullman County$51,811
- Average weekly wage, Cullman County$996
- Housing units permitted, Cullman County177
- Of those, single family, Cullman County165
- County product, 2024, Cullman County$4,284,754,000
- County product change over the prior year, Cullman County5.9 percent
- Average income of an arriving household, Cullman County$65,185
Every figure in this section is published for Cullman County as a whole and is not a measurement of Cullman. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
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.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Cullman questions, answered from the record.
How many people live in Cullman, Alabama?
19,319, in 8,038 households. Cullman city covers 22.83 square miles of land, which is 846 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Cullman in?
Cullman County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Cullman?
$61,224. The median owner-occupied home is valued at $238,900. Median gross rent is $925 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Cullman businesses?
32 7(a) approvals totalling $22.1 m, across 21 lenders, median approval $175,000, plus 24 504 approvals worth $21.5 m. These count approvals to borrowers whose address is in Cullman, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Cullman borrowers get paid back?
No rate is published for Cullman. only 2 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Cullman figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Cullman County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Cullman.
Is zoning published for Cullman?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.