Cullman County, Alabama has a 2026 one-unit conforming loan limit of $832,750, which is 4.2 times the county's median home value of $199,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $62,656 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $199,100 |
| Alabama median home value | $209,900 |
| Limit ÷ median home value | 4.18× |
| Median household income | $62,656 |
| Median home value ÷ income | 3.2× |
| Population | 90,566 |
| Median property tax paid (owners) | $516 |
| Effective property tax rate (approx.) | 0.26% |
| Owner-occupied homes | 76.6% |
| Home value rank in Alabama | 14 of 67 counties |
| Neighbor: Blount County, AL | limit $832,750; median home $175,200 |
| Neighbor: Lawrence County, AL | limit $832,750; median home $172,300 |
| Neighbor: Marshall County, AL | limit $832,750; median home $201,500 |
| Neighbor: Morgan County, AL | limit $832,750; median home $212,000 |
| Neighbor: Walker County, AL | limit $832,750; median home $135,900 |
| Neighbor: Winston County, AL | limit $832,750; median home $118,900 |
Across Alabama's 67 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Cullman County's median home value is 5% below the state median of $209,900 (rank 14 of 67). Among its 6 neighboring counties, Morgan County has the highest median home value ($212,000) and Winston County the lowest ($118,900); all share the same loan limit. Owners pay a median $516 a year in property tax, an effective rate of about 0.26% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
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- 2026 conforming loan limit: Cumberland County, IL
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- 2026 conforming loan limit: Cumberland County, ME
- 2026 conforming loan limit: Cumberland County, NC
Last updated 2026-10-16. Data only, not financial or tax advice.