HomeAlabamaCullman CountyCullman
Cullman, Alabama: commercial real estate data.
Cullman 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 since FY2020.
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$164,950
- Ninetieth percentile approval$2,449,260
- 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
Counted by borrower city: approvals to borrowers whose address is in Cullman, in any county, FY2020 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
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$527,000
- Largest approval$3,953,000
- Jobs supported159
- Loans with a final outcome7
- Charged off0
- Median term240 months
- Distinct CDCs4
Counted by borrower city: approvals to borrowers whose address is in Cullman, in any county, FY2010 to FY2026. Only 7 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Cullman
Flood risk in Cullman
- NFIP communityCity of Cullman
- NFIP community number010209
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date05/24/11
The City of Cullman participates in the National Flood Insurance Program as community 010209 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Cullman County, not Cullman
Cullman County context, not Cullman figures
- Establishments in Cullman County1,867
- Covered employment, Cullman County31,068
- Average annual pay, Cullman County$51,811
- Housing units permitted, Cullman County177
Every figure in this section is published for Cullman County as a whole and is not a measurement of Cullman.
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.
Coverage
What this page does not hold.
Parcel detail, 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 →
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 totaling $22.1 m since FY2020, across 21 lenders, median approval $164,950, plus 24 504 approvals worth $21.5 m since FY2010. 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 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Cullman in the National Flood Insurance Program?
Yes. Cullman appears in the FEMA Community Status Book as Cullman, city of, community 010209, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Cullman figures?
No, and they are labeled 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?
No. Nothing on this page presents parcel level zoning.