Investor-grade market analytics for Cullman, Alabama. Data from Zillow ZHVI, FRED, Census ACS, and FEMA NRI. Data through August 2026.
$258,673
+3.4% year-over-year
6.2%
gross annual
+3.4%
base case (Zillow ZHVF)
+3.4% year-over-year
50/100
ModerateNet migration: Top 23% nationally
In-migrants avg $60,904 AGI vs out-migrants $53,388
Opportunity Zone Market
1 ZIP codes in Cullman are designated Qualified Opportunity Zones (IRC 1400Z-2), eligible for capital gains tax deferral on qualifying investments. Learn more →
Cullman, AL shows steady growth at 3.4% year-over-year appreciation, reflecting balanced market conditions with moderate demand. Affordability remains favorable with a price-to-income ratio of 4.25x, below the national average of 4.8x. Modest net positive migration (+167 returns/year) provides steady demand support. Climate risk is moderate (50/100) with manageable exposure. Rental yield of 6.19% is strong, making this market attractive for buy-and-hold investors.
12-month projection (Zillow ZHVF model)
Cullman, AL's primary climate exposure is wind storms (70/100). The composite climate risk score of 50/100 (Moderate) indicates overall risk with manageable exposure that should be factored into investment analysis. Buyers should consider climate-related insurance costs and potential future regulatory changes.
Source: FEMA National Risk Index
Migration flows, ZIP-level neighborhood data, full demographics, price history, and the Market Screener.