Property tax in Cullman County, Alabama
In Cullman County, the property tax bill comes from the Cullman County Revenue Commissioner. The Tax Year 2026 bill is due December 31, 2026. You can look up and pay the bill on the county's own payment page. Taken from Cullman County's own pages, checked September 23, 2026.
The median property tax bill in Cullman County, Alabama is $516 a year, which is about 0.26% of the county's median home value of $199,100. That effective rate is lower than the typical Alabama county (0.32%) and lower than the national median (0.81%). These are American Community Survey 5-year estimates (2024); your own bill depends on your home's assessed value and any exemptions.
Who sends the property tax bill in Cullman County, and how do you pay it?
The bill comes from the Cullman County Revenue Commissioner. The value it is based on is set by a separate office, the Cullman County Revenue Commissioner, which is who to ask if the value looks wrong. For how to look up and pay the bill, go to the county's own payment information.
One office, the Revenue Commissioner, both values property and collects the tax. Its main office is in the Cullman County Courthouse, with satellite offices in Baileyton, Dodge City and Hanceville that take checks and cards but not cash. Taxes are paid a year in arrears: the bill due October 1 is based on ownership and use as of October 1 of the year before. City rates for Cullman, Hanceville, Arab, Good Hope and the other towns are part of the rate on the county bill. Online card payments carry a small fee charged by the card processor. A buyer must record the deed, assess the property and claim any homestead exemption by December 31 for property bought by October 1.
When are property taxes due in Cullman County?
For the Tax Year 2026 (payable October 1 through December 31, 2026) bill, Cullman County has one due date: December 31, 2026. Taxes are due October 1 and payable with no penalty through December 31, which falls on a Thursday in 2026. Alabama law sets these dates for every county. Under Alabama law, a payment sent by U.S. mail counts as paid on the date of its U.S. Postal Service postmark, so a mailed payment postmarked by December 31 is on time; a private postage-meter date may not count, so have it postmarked at the post office if mailing near the deadline. Taxes become delinquent January 1, and payments on or after that date are charged delinquent tax fees plus interest of 12% a year. Delinquent notices are mailed in January, court notices in February, and tracked notices in March announcing the tax lien auction, which is normally held the first Tuesday in May. The county's pages disagree on the last day it takes personal checks for late taxes (January 31 on one, February 28 on others), so after January 31 plan to pay with cash, a card or certified funds such as a cashier's check.
From Cullman County's published schedule, checked September 23, 2026. If a date falls on a weekend or holiday, the county's own rules on the next business day apply.
Estimate the property tax on a home in Cullman County
Enter a home's market value for a ballpark at Cullman County's average effective rate of 0.26% (Census). The real bill depends on the home's assessed value, the millage where it sits and any exemptions.
Estimated property tax: $518 / year
Property tax in Cullman County at a glance
| Measure | Value |
|---|---|
| Median annual property tax | $516 |
| Median home value | $199,100 |
| Effective tax rate | 0.26% |
| Typical Alabama county rate | 0.32% |
| National median county rate | 0.81% |
Effective rate = median real estate taxes paid divided by median home value. Source: U.S. Census Bureau, American Community Survey 5-year estimates.
How does Cullman County compare in Alabama?
Among Alabama's 67 counties, Cullman County has the 60th highest effective property-tax rate: 59 rank higher and 7 rank lower. That places it among the least taxed counties in the state. Nationally, it ranks 3108th of 3135 US counties by effective rate. See every Alabama county ranked.
How much do homeowners in Cullman County actually pay?
The median is only the middle bill. Across Cullman County's 27,088 owner-occupied homes, 1.2% pay $3,000 or more a year in property tax, 4.2% pay at least $2,000, and 55.8% pay under $800. Another 20.1% report paying no property tax at all, which usually means an exemption covers the whole bill.
| Annual bill | Homes | Share |
|---|---|---|
| Under $800 | 15,112 | 55.8% |
| $800 to $1,499 | 4,452 | 16.4% |
| $1,500 to $1,999 | 945 | 3.5% |
| $2,000 to $2,999 | 815 | 3% |
| $3,000 or more | 322 | 1.2% |
| No property tax paid | 5,442 | 20.1% |
Owners with a mortgage pay a median of $579 and owners without one pay $440. Owners who have paid off a home have usually held it longer, and in states that cap how fast an existing owner's assessment can rise, long-held homes carry lower assessed values. Census table B25103.
How does the Cullman County property tax bill compare with local incomes?
The median property tax bill of $516 is about 0.7% of the median income of Cullman County homeowner households, $73,787 a year. That compares two middles, so a retiree in a long-held home can pay a far larger share. 76.6% of Cullman County's occupied homes are lived in by their owners; renters pay property tax too, just folded into rent.
Have property taxes gone up in Cullman County?
Yes. The median bill went from $349 in 2015-2019 to $516 in 2020-2024, a 47.9% rise. Over the same span the median home value moved 54.8%, from $128,600 to $199,100. Bills rose more slowly than values, which is what assessment caps and falling millage rates do: the county is taxing a smaller share of each home's worth.
Two Census ACS 5-year periods with no survey years in common, in each period's own dollars. A change counts only if it exceeds the combined 90% margin of error.
Property tax in counties next to Cullman County
Cullman County borders 6 counties.
| County | Effective rate | Median bill | Median home value |
|---|---|---|---|
| Marshall County, AL | 0.36% | $733 | $201,500 |
| Morgan County, AL | 0.34% | $718 | $212,000 |
| Winston County, AL | 0.32% | $380 | $118,900 |
| Blount County, AL | 0.3% | $523 | $175,200 |
| Lawrence County, AL | 0.29% | $497 | $172,300 |
| Walker County, AL | 0.26% | $356 | $135,900 |
| Cullman County, AL (this county) | 0.26% | $516 | $199,100 |
How is a home assessed in Cullman County?
Alabama assesses homes at 10% of market value in every county, Cullman County included. How Alabama assesses and reappraises homes.
Is there a homestead exemption in Cullman County?
Yes. Alabama exempts $4,000 of assessed value from the state portion of the tax and $2,000 from county tax (not school taxes). Apply with the county tax assessing official between October 1 and December 31. That is the Alabama rule, and it applies in Cullman County. Alabama's exemptions and relief programs in full.
Cullman County does not add relief programs of its own beyond the Alabama ones (checked September 23, 2026).
How to appeal your Cullman County property assessment
In Cullman County you appeal to the Cullman County Board of Equalization and Adjustment. The deadline: Under Alabama law, a written protest must be filed with the secretary of the Board of Equalization within 30 calendar days of the date the second of two weekly newspaper notices is published announcing that the year's values have been set. In Cullman County the Revenue Commissioner serves as the Board's secretary and announces the exact filing date each spring in the county's valuation notice. A Board decision can be appealed to Circuit Court within 30 calendar days of the date of the notice the Board mails you with its decision. To keep a Circuit Court appeal alive, you must pay the taxes due at the prior year's assessment before they become delinquent, or post a bond for double the tax. How to file. Checked September 23, 2026 against the official appeal rules.
How Alabama's appeal process works, including the next level if the first one turns you down.
Alabama rules from primary state sources, reviewed September 7, 2026; sources on the Alabama page.
Work out your own numbers
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How much house can I afford?
Your income, debts and down payment against the 28/36 rule lenders actually use, with Cullman County's tax rate to hand.
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Mortgage calculator
Monthly payment with principal, interest, tax and insurance, plus what an extra payment saves you.
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Alabama income tax
Brackets, standard deduction and what Alabama actually taxes.
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Sales tax in Cullman County
The other local tax: combined state and local rate for this county.
Sources
- Median real estate taxes paid and median home value for Cullman County, Alabama: U.S. Census Bureau, American Community Survey 5-year estimates (2020-2024), tables B25103, B25077, B25102, B25119 and B25003; the five-year comparison uses the 2015-2019 estimates. Neighboring counties: Census county adjacency file.