Cullman County, Alabama

County Distress Index: Elevated · 50.4 | 92,016 people · 54th most distressed in Alabama
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Cullman County, AL registers elevated household financial distress with a score of 50.4 — 1564th nationally out of 3144 counties. The primary driver is Debt & Delinquency, where residents carry heavy debt burdens with elevated delinquency and collections rates. Within Alabama, it ranks 54th of 67 counties. Its score is in the middle of its 6 neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Cullman County's primary driver is Debt & Delinquency at 74.1 — above the national median.

Debt & Delinquency Primary driver 74.1
Debt in Collections 64
Medical Debt 76
Student Loan Delinquency 68
Auto Loan Delinquency 75
Credit Card Delinquency 71
Bankruptcy Filing Rate 91
Community Vulnerability 68.4
Uninsured Rate 69
Disability Rate 68
Income & Poverty 50.5
Poverty Rate 65
Income vs. State Median 21
Child Poverty Rate 66
Housing Cost Burden 30.9
Rent-Burdened (30%+) 29
Severely Rent-Burdened (50%+) 34
Mortgage-Burdened (30%+) 39
Homeownership Rate 39
Rent-to-Income Ratio 13
Employment & Wages 28.0
Unemployment Rate 2
Wage-to-Rent Ratio 10
Business Formation Rate 72

Scores are percentile-based: 50 = national median, higher = more distressed. The median line is shown on each bar.

Neighbors and Peers

How Cullman County compares to its 6 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Cullman County
Cullman County, AL 50.4 Elevated —
Walker County, AL 58.2 Elevated +7.8
Blount County, AL 55.0 Elevated +4.6
Winston County, AL 54.3 Elevated +3.9
Lawrence County, AL 49.2 Normal -1.2
Marshall County, AL 48.8 Normal -1.6
Morgan County, AL 46.9 Normal -3.5

Population Peers

County Score Zone vs. Cullman County
Hawaii County, HI 50.4 Elevated -0.0
Columbia County, OR 50.4 Elevated +0.0
Schenectady County, NY 50.4 Elevated +0.0
Pickaway County, OH 50.5 Elevated +0.1
Newaygo County, MI 50.3 Elevated -0.1

Download Data

Export all distress indicators for Cullman County as a CSV file.

Find Help in Cullman County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Cullman County.

COMMUNITY ACTION PARTNERSHIP OF NORTH ALABAMA - CULLMAN BRANCH
CULLMAN
256-260-3108 Website
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Find an Attorney

Alabama State Bar Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Alabama State Bar Lawyer Referral Service 1-800-392-5660

Free Legal Aid

Legal aid organizations serving Cullman County residents at no cost.

Legal Services Alabama 1-866-456-4995
Alabama State Bar Lawyer Referral Service 1-800-392-5660

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Frequently Asked Questions

  • What is the distress score for Cullman County, Alabama?

    Cullman County has a County Distress Index score of 50.4 out of 100, placing it in the Elevated zone. It ranks 1,564th nationally out of 3,144 counties and 54th in Alabama out of 67 counties.

  • What drives financial distress in Cullman County?

    The primary driver of distress in Cullman County is Debt & Delinquency, where the county scores 74.1 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Cullman County compare to neighboring counties?

    Cullman County (50.4) can be compared to its 6 neighboring counties: Walker County, AL (58.2); Blount County, AL (55.0); Winston County, AL (54.3).

  • How is the County Distress Index calculated?

    The County Distress Index uses percentile-rank averaging across five domains: Debt & Delinquency, Income & Poverty, Housing Cost Burden, Employment & Wages, and Community Vulnerability. Each county's indicators are ranked against all 3,144 U.S. counties. A score of 50 means the county is at the national median; higher scores indicate greater distress.

  • What is the population of Cullman County?

    Cullman County, Alabama has a population of approximately 92,016 (2023 Census estimate), classified as a mid county.