Cullman County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Cullman County, Alabama? DLRadar grades every Cullman County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Cullman County breakdown.
- Cullman County's most distressed ZIP is 35976 at 25/100.
- 19 ZIP codes tracked in Cullman County, averaging 21/100 distress.
- Cullman County reads peak — home values up 3.2% year over year.
- Vacancy runs 14.9% across Cullman County's tracked ZIPs, with a 14.3% poverty rate.
- The typical Cullman County home is worth about $190,395 against a ~$61,800 median income.
- Lending headwind in Cullman County sits at 37/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 35976 | 25/100 |
| 2 | 35016 | 24/100 |
| 3 | 35619 | 23/100 |
| 4 | 35033 | 22/100 |
| 5 | 35053 | 22/100 |
| 6 | 35055 | 22/100 |
| 7 | 35057 | 22/100 |
| 8 | 35058 | 22/100 |
| 9 | 35070 | 22/100 |
| 10 | 35077 | 22/100 |
| 11 | 35083 | 22/100 |
| 12 | 35179 | 22/100 |
Most distressed ZIP codes in Cullman County (composite distress 0-100, 2026)
What is driving Cullman County distress
Nothing here is estimated: Cullman County is scored from filings alone, and its ZIPs average 21/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Cullman County market phase and pricing
DLRadar places Cullman County in peak; prices moved up 3.2% over the year. Longer marketing times follow, and with them the sellers worth calling.
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Questions and answers
What is the most distressed ZIP code in Cullman County, AL?
ZIP 35976 leads Cullman County at 25/100, recomputed monthly from public records.
Is Cullman County expanding or contracting?
Cullman County currently sits in peak, with values up 3.2% year on year, based on FHFA price-index trajectory.
Can the Cullman County figures be verified?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 19 ZIP codes in Cullman County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Cullman County ZIP codes?
A single county score papers over real variation. Across the Cullman County ZIPs DLRadar ranks, scores run from 25/100 in 35976 down to 22/100 in 35179, against a Cullman County average of 21/100. That 3-point gap is why acquisition targeting in Cullman County works at ZIP level rather than county level.
What do Cullman County home values and vacancy say about distressed supply?
The typical Cullman County home carries about $190,395 of value against a median household income near $61,800. Vacancy across Cullman County's tracked ZIPs runs 14.9% and the poverty rate is 14.3%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Cullman County's foreclosure and tax-lien filings and its 37/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.