Cullman, AL Property Tax Rates
Compare property tax rates across 3 ZIP codes in Cullman, Alabama.
Avg Tax Rate
0.26%
Avg Annual Tax
$504
Avg Home Value
$193,433
ZIP Codes
3
Property Tax Overview: Cullman, AL
Cullman has 3 ZIP codes with property tax data. The average effective tax rate across these ZIPs is 0.26%, which is 29% below the Alabama average of 0.37%. Annual property taxes range from $446 (ZIP 35057) to $590 (ZIP 35055).
For a home at Cullman's median value of $193,433, property taxes add approximately $42/month to housing costs. Cullman home values are above the Alabama median of $165,860, meaning the monthly tax impact is correspondingly higher.
Property tax rates within Cullman vary by 0.07 percentage points across its ZIP codes. This variation typically reflects different school district boundaries, special assessment zones, and municipal service areas within the city.
Cullman vs Alabama Average
Effective Tax Rate
29% below state average
Annual Property Tax
Median Home Value
Frequently Asked Questions
What is the average property tax rate in Cullman, AL?
The average effective property tax rate in Cullman, Alabama is 0.26%, based on 3 ZIP codes.
How much is property tax in Cullman, AL?
The average median annual property tax in Cullman is $504 per year, with a median home value of $193,433.
Which ZIP code in Cullman has the lowest property tax rate?
ZIP code 35057 has the lowest effective tax rate in Cullman at 0.23%, with a median annual tax of $446.
How many ZIP codes are in Cullman, AL?
Cullman, Alabama has 3 ZIP codes with property tax data available.
Which ZIP code in Cullman has the highest property tax rate?
ZIP code 35055 has the highest effective tax rate in Cullman at 0.30%, with a median annual tax of $590.
How do Cullman property taxes compare to the Alabama average?
Cullman's average effective rate of 0.26% is 29% below the Alabama state average of 0.37%.
What factors affect property tax rates between ZIP codes in Cullman?
Property tax rate differences within Cullman are typically driven by school district boundaries (which can account for 40–60% of a tax bill), special assessment zones for fire, water, or transit services, and whether a ZIP falls within city limits or an unincorporated area. Each taxing jurisdiction sets its own rate, which is why adjacent ZIP codes can have noticeably different effective rates.
Tips for Cullman Homeowners
- •Appeal your assessment: If your home is assessed higher than its market value, you can file a property tax appeal. Studies suggest 30–60% of properties are over-assessed. Most counties offer a free informal review process.
- •Check your exemptions: Homestead exemptions can reduce your taxable value and are available to primary residents in most states. Senior, veteran, and disability exemptions may also apply. Exemptions must typically be applied for — they are not automatic.
- •Know your assessment cycle: Alabama reassesses properties periodically. After buying a home, your next tax bill may reflect a new assessment based on your purchase price. Budget accordingly, especially if you bought above prior assessed values.
- •Compare ZIP codes before buying: Even within Cullman, effective tax rates can vary significantly across ZIP codes due to different school district overlays. Use PropertyTaxByZip to compare specific ZIPs before choosing a neighborhood.
Looking for county-level property tax data? View Cullman County on TaxByCounty.com
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.