Cullman County, Alabama
More than double the national median for bankruptcy filing rate — and 41.4× the rate of the healthiest U.S. county (Glacier County, MT — 7).
Main Findings
Cullman County, Alabama is more distressed than 58% of U.S. counties on the County Distress Index. The driver: a bankruptcy filing rate of 302 — more than double the national median of 126. Its highest-scoring domain is Default & Legal and its lowest is Debt Burden (housing basis).
- 57th of 67 counties in Alabama on the County Distress Index — 58 · moderate county distress, more distressed than 58% of U.S. counties.
- A bankruptcy filing rate of 302 (U.S. median 126). Bankruptcy filing rate at the 91st percentile nationally. Source: Administrative Office of the U.S. Courts, F-5A (2025).
- Auto loan delinquency at 7% — national median 5%, ranked at the 75th percentile. Source: Urban Institute Debt in America (2025).
- Uninsured rate at 11% — national median 8%, ranked at the 72nd percentile. Source: U.S. Census Bureau, ACS 5-year (2024).
- Adults 25-54 not working at 23% — national median 21%, ranked at the 63rd percentile. Source: U.S. Census Bureau, ACS 5-year (2024).
Neighbors span three CDI score labels. The 16-point drop to Marshall County marks where the Alabama distress corridor ends.
Cullman County has a moderate county distress score. The county sits near the middle of the CDI score scale, so the domain mix carries the story.
The CDI gives this county a moderate county distress label. The domain mix matters because the same composite score can come from very different local conditions. Its highest-scoring domain is Default & Legal.
Indicator History
Period-correct raw indicators from the county-history panel. The CDI composite is excluded because it is a current cross-sectional score.
Unemployment rate
Poverty rate
Transfer income share
Subprime credit population
The Indicators Behind Cullman County's CDI Score
Every number traces to a public source. Cullman County's value shown alongside AL's median and the U.S. median. Full CSV available for download.
| Indicator | Cullman | AL median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 71 · Rank 816 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 7% | 8% | 5% | 75th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 7% | 7% | 5% | 71st | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 28% | 33% | 23% | 68th | Equifax data retrieved via FRED (2025) |
| Default & Legal — domain score 77 · Rank 495 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 27% | 32% | 23% | 64th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 302 | 394 | 126 | 91st | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 30 · Rank 2,440 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 19% | 21% | 21% | 33rd | U.S. Department of Housing and Urban Development Fair Market Rents (FY2027); U.S. Census Bureau, SAIPE (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 14% | 17% | 18% | 26th | U.S. Census Bureau, ACS 5-year (2024) |
| Labor — domain score 36 · Rank 2,159 of 3,144 | |||||
| Adults 25-54 not working Share of adults aged 25 to 54 without a job, leaving out residents of prisons and other institutions (service members count as working) | 23% | 26% | 21% | 63rd | U.S. Census Bureau, ACS 5-year (2024) |
| Unemployment (average of monthly rates) Share of labor force unemployed, averaged over the monthly rates published for September 2025 to August 2026 (no figures published for October 2025) | 3% | 3% | 4% | 9th | U.S. Bureau of Labor Statistics, LAUS (monthly rates averaged, September 2025 to August 2026; no figures published for October 2025) |
| Safety Net & Buffer — domain score 64 · Rank 1,039 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 19% | 25% | 17% | 61st | U.S. Census Bureau, SAIPE (2024) |
| Disability rate Share of residents reporting a disability | 18% | 19% | 16% | 71st | U.S. Census Bureau, ACS 5-year (2024) |
| Poverty rate Share of population below the federal poverty line | 14% | 18% | 13% | 58th | U.S. Census Bureau, SAIPE (2024) |
| Uninsured rate Share of residents without health insurance coverage | 11% | 9% | 8% | 72nd | U.S. Census Bureau, ACS 5-year (2024) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index scores household financial distress from 0 to 100 for all 3,144 U.S. counties. A county's score is the share of U.S. counties it is more distressed than. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the five domains are averaged, and that average is ranked against every other county to give the score.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), Equifax data retrieved via FRED (subprime credit share), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), U.S. Bureau of Labor Statistics (Local Area Unemployment Statistics), Administrative Office of the U.S. Courts (F-5A bankruptcy filings), and U.S. Department of Housing and Urban Development Fair Market Rents. Data vintages range from 2024 to 2027 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Cullman County data.
Draft wire copy 127-word AP-style article — use freely with attribution
CULLMAN, Ala. — Cullman County is more distressed than 58% of U.S. counties, according to the County Distress Index released this month by American Default Research.
Cullman scores 58 out of 100, which means it is more distressed than 58% of U.S. counties; its score label is moderate county distress. Within Alabama, Cullman ranks 57th of 67 counties.
The index, which draws on 14 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies default & legal as the primary driver in Cullman. A bankruptcy filing rate of 302 — more than double the national median of 126.
American Default Research founder Ross Kilburn is available for interview at press@americandefault.org.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Cullman County's CDI score, and what does it mean?
What drives Cullman County's distress score?
How does Cullman County compare to its neighbors?
How is the County Distress Index calculated?
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