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Cullman city, AL

ZIP 35055 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 35055

Median Home Value
$195,400
Median Rent
$699
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,255/mo PITI).

14%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.3x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

23.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 35055 in Cullman city, AL, a household would need roughly $54,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,255. That is roughly in line with the local median household income ($58,488). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
63.0%-4% vs US avg
x
Vacancy Rate
10.2%-1% vs US avg
x
Broadband Access
84.7%-3% vs US avg
x
4+ Bedrooms
1.8%-88% vs US avg
x
Built Pre-1939
6.0%-53% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
15.0%-70% vs US avg
x
Mortgage-Free
46.4%+21% vs US avg
x
$195,400
Home Value
$699
Rent
1976
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached72.0%
  • 1-unit attached0.9%
  • 2-9 units16.8%
  • 10+ units5.7%
  • Mobile home & other4.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$195,400
Median rent$699
Owner-occupied63.0%
Vacant10.2%
Price-to-income3.3x
Est. income to buy$54,000