Cullman County, AL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Cullman County, AL distress report, 2026: 19 ZIPs scored in Cullman, AL, Cullman, AL average 21/100; the top Cullman, AL ZIP is 35976 at 26/100; Cullman, AL market phase peak, Cullman, AL prices +3.2% year over year.
- Cullman, AL ranks #1,912 nationally (opportunity index); Cullman, AL #63 in Alabama; Cullman, AL index 28.0.
- Cullman, AL: no CFPB county sample; Cullman, AL non-metro area reading 1.6%.
- Cullman, AL ZIP phases: 17 peak, 1 neutral, 1 expansion.
- Cullman, AL residential listings tracked: 19 across 12 ZIPs; Cullman, AL candidate listings 13.
- Cullman, AL HUD assisted properties: 3 with 87 units.
- Cullman, AL lenders on watch: 8; largest Cullman, AL footprint Peoples Bank Of Alabama (6 branches).
- Cullman, AL most distressed ZIP: 35976 at 26/100.
Cullman, AL figures: DLRadar distress index; Cullman, AL inputs: CFPB, FHFA, HUD, FDIC; Cullman, AL rebuilt as sources refresh.
| Rank | Cullman, AL ZIP | Score |
|---|---|---|
| 1 | 35976 | 26/100 |
| 2 | 35016 | 24/100 |
| 3 | 35619 | 23/100 |
| 4 | 35621 | 22/100 |
| 5 | 35019 | 21/100 |
| 6 | 35033 | 21/100 |
| 7 | 35087 | 21/100 |
| 8 | 35622 | 21/100 |
| 9 | 35053 | 20/100 |
| 10 | 35055 | 20/100 |
| 11 | 35057 | 20/100 |
| 12 | 35058 | 20/100 |
Most distressed Cullman, AL ZIPs (0-100, 2026)
Mortgage delinquency around Cullman, AL
No CFPB county sample covers Cullman, AL; the non-metro area reading for Cullman, AL: 1.6% ninety-plus; Cullman, AL area thirty-to-eighty-nine 4.7% (December 2025, Cullman, AL); Alabama overall 1.1%.
Opportunity index: Cullman, AL
Cullman, AL index 28.0, Cullman, AL phase early_signal; Cullman, AL primary driver vacancy, Cullman, AL second driver bank institutional. Cullman, AL components: property stress 18.1, foreclosure pressure 18.0, listing discounts 37.4, bank stress 52.4, insurance 0.0; Cullman, AL pulse 27.9; Cullman, AL capital opportunity 28.1; Cullman, AL seven-day change -0.1%.
ZIP market phases inside Cullman, AL
19 Cullman, AL ZIPs carry a price-cycle phase; Cullman, AL ZIPs by phase (Cullman, AL), deepest drawdown first: peak, +3.1% YoY (Cullman, AL): 35016, 35033; peak, +2.5% YoY (Cullman, AL): 35019; peak, +3.4% YoY (Cullman, AL): 35053; peak, +3.2% YoY (Cullman, AL): 35055, 35057, 35058, 35070, Cullman, AL 35077, 35083, 35179; peak, +2.4% YoY (Cullman, AL): 35087; peak, +3.5% YoY (Cullman, AL): 35098; neutral, +5.0% YoY (Cullman, AL): 35540; expansion, +5.0% YoY (Cullman, AL): 35541; peak, +1.3% YoY (Cullman, AL): 35619.
Residential listings by Cullman, AL ZIP
Cullman, AL ZIPs with the most tracked Cullman, AL residential listings: 35077 5 listings, 3 candidates, bank pressure 61; 35033 2 listings, 0 candidates, bank pressure 59; 35053 2 listings, 1 candidates, bank pressure 60; 35055 2 listings, 2 candidates, bank pressure 61 (Cullman, AL); 35057 2 listings, 1 candidates, bank pressure 61; 35058 2 listings, 2 candidates, bank pressure 61; 35019 1 listings, 1 candidates, bank pressure 60; 35083 1 listings, 1 candidates, bank pressure 61. Cullman, AL totals: 19 listings; Cullman, AL candidates 13; active ZIPs 9.
HUD assisted housing in Cullman, AL
3 assisted properties with 87 units sit in Cullman, AL; largest Cullman, AL properties: Nesmith Park Apartments (Cullman) 53 units, 53 assisted; Twin Creek (Cullman) 24 units, 23 assisted; Perkins Place (Cullman) 10 units, 10 assisted in Cullman, AL.
Lenders with branches in Cullman, AL
Cullman, AL lenders by branch count: Peoples Bank Of Alabama (Cullman, AL): stress 52, 6 branches low in Cullman, AL; Premier Bank Of The South (Cullman, AL): stress 74, 5 branches low in Cullman, AL; Cullman Savings Bank (Cullman, AL): stress 45, 5 branches low in Cullman, AL; Southpoint Bank (Cullman, AL): stress 97, 4 branches low in Cullman, AL; Traditions Bank (Cullman, AL): stress 67, 3 branches low in Cullman, AL; Citizens Bank&Trust (Cullman, AL): stress 89, 2 branches moderate in Cullman, AL; Evabank (Cullman, AL): stress 1, 2 branches low in Cullman, AL; Regions Bank (Cullman, AL): stress 57, 1 branch low in Cullman, AL.
Vacancy and permits, Cullman, AL
4,524 of 39,871 Cullman, AL housing units are vacant; Cullman, AL permits, twelve months: 0 multifamily units in Cullman, AL, 258 one-to-four unit units.
Work Cullman, AL at the parcel level
Every Cullman, AL parcel carries owner and address; every Cullman, AL parcel carries APN; Cullman, AL distress scores sit on the Cullman, AL live board.
Cullman, AL figures refresh with each source.
Cullman, AL questions
Most distressed ZIP code in Cullman County, AL?
ZIP 35976 leads Cullman, AL at 26/100; next in Cullman, AL: 35016 at 24/100; the Cullman, AL average is 21/100.
Where does Cullman County, AL rank for investment opportunity?
Cullman, AL is #1,912 among all ranked counties, #63 in Alabama; the Cullman, AL driver is vacancy; Cullman, AL moved up 744 places.
How many mortgages are delinquent in Cullman County, AL?
Cullman, AL takes the non-metro area reading of 1.6% for December 2025; no CFPB county sample covers Cullman, AL.
Which banks lend in Cullman County, AL?
8 watched lenders hold Cullman, AL branches; the largest Cullman, AL footprints are Peoples Bank Of Alabama (6), Premier Bank Of The South (5), Cullman Savings Bank (5).
More on Cullman, AL
Cullman County, AL distress report: public-record figures for Cullman, AL; not legal advice for Cullman, AL; not tax or investment advice; verify every Cullman, AL record before acting.