Cullman County, AL: Foreclosures, Tax Liens & Distressed Properties

Cullman County, AL, Alabama: 19 ZIP codes scored, Cullman County, AL averaging 21/100 (low, Cullman, AL), from 16 to 26. Cullman County, AL is in its peak phase (Cullman, AL confidence 22/100): Cullman, AL home prices up 3.2% (Cullman, AL) over twelve months. Cullman County, AL lender headwind: 37/100.

Highest-scoring Cullman County, AL ZIPs: 35976 (26/100), 35016 (24/100), 35619 (23/100), 35621 (22/100), 35019 (21/100), 35033 (21/100). Also scored in Cullman County, AL: 35087, 35622, 35053, 35055, 35057, 35058, 35070, 35077, 35083, 35098.

Across Cullman County, AL's scored ZIPs: median home value $190,395, household income $61,800, 14.9% vacancy, 14.3% poverty, 82% owner-occupied, median age 42.7.

Cullman County, AL insurance distress 37/100 (#1,369 in the US); FEMA hazard 73/100 for Cullman, AL; 2 federal disaster declarations in Cullman County, AL since 2023 (2 hurricane).

12 banks with 32 branches lend in Cullman County, AL; Cullman, AL weighted bank stress 62/100, highest 97/100 in Cullman, AL.

Cullman County, AL unemployment 3.1% (Cullman, AL +0.1 pts, six months); 258 new housing units permitted in Cullman County, AL over twelve months, Cullman, AL up 54% from 168; Cullman, AL home prices +11.0% a year (Cullman, AL) over three years.

39,871 housing units in Cullman County, AL; 8,167 Cullman, AL renter households; 32% of Cullman, AL renters spend 30%+ of income on rent, 15% (Cullman, AL) half or more.

Cullman County, AL ranks #1,882 nationally on the opportunity index (Cullman, AL, among all ranked counties); Cullman, AL scores 28.1/100 and Cullman, AL sits #63 inside Alabama. Cullman, AL is in the early_signal opportunity phase; Cullman, AL's primary driver is vacancy, Cullman, AL second driver bank institutional; Cullman, AL moved up 839 places. 17 short-sale listings across Cullman, AL; 75 days on market observed in Cullman, AL; 11.9% vacancy over 19 Cullman, AL ZIPs.

No CFPB county sample covers Cullman County, AL. The non-metro area reading for Cullman, AL: 1.6% ninety-plus days late; Cullman, AL's thirty-to-eighty-nine share is 4.7% (Cullman, AL, December 2025 data); Alabama overall 1.1%.

Cullman County, AL has 8 watched banks; 8 Cullman, AL banks sit in an elevated band. Cullman, AL footprints: Peoples Bank Of Alabama (6 branches, stress 52) in Cullman, AL; Premier Bank Of The South (5 branches, stress 74) in Cullman, AL; Cullman Savings Bank (5 branches, stress 45) in Cullman, AL.

HUD lists 3 assisted multifamily properties in Cullman County, AL with 87 units; 86 Cullman, AL units are assisted, 1 Cullman, AL properties under project-based Section 8.

4,524 of the 39,871 housing units in Cullman, AL sit vacant. Cullman County, AL permitted 0 multifamily units in twelve months; Cullman, AL's one-to-four unit structures added 258 units in Cullman County, AL.