ZIP Code 35098 — undefined, AL Demographics & Data

ZIP code 35098 covers AL in Cullman County with a population of about 1,118.

At a glance, the area shows median age of 34.7 versus a U.S. median of about 38.9.

It sits in telephone area codes 256, 938; U.S. House district AL-4; the BIRMINGHAM (ANN & TUSC) media market.

Median household income in ZIP 35098 is about $78,474 — about 4% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.0%; unemployment rate near 8.0%; 12.1% of adults with a bachelor’s degree or higher (about 21.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Construction; about 2.4% of workers reporting work-from-home (about 12.8 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $177,300 — about 49% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $436 (about 63% below the U.S. median rent ($1,163)), and owner-occupancy near 62.4% (about 3.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 35098 in AL, a household would need roughly $49,000 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 $1,139. That sits below the local median household income ($78,474), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for AL as Relatively Moderate (composite score 81.9), which is elevated versus much of the country. The strongest component scores on US5 are flood (80.2) and hurricane (72.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for AL show little to no average snow and around 60.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 36 for ZIP 35098 (AL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.