Census tract · Cullman County
Census Tract 9645, Cullman County, Alabama
Census Tract 9645, GEOID 01043964500, in Cullman County, Alabama, partly within West Point. 5,056 residents in the ACS 2020-2024 5-year estimates (±914); the 2020 Census counted 4,629.
Residents, 2020-2024
5,056
±914 (90% margin)
2020 Census count: 4,629
Median household income
$65,542
±$16,337 (90% margin)
Cullman County: $62,656
Median home value
$212,000
±$39,997 (90% margin)
Cullman County: $199,100
Median gross rent
$1,031
±$462 (90% margin)
Cullman County: $908
Where is Census Tract 9645?
Census Tract 9645 is one of 22 census tracts in Cullman County, Alabama. It covers 83.37 square miles of land, 56 residents per square mile in 2020. Its GEOID, 01043964500, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| West Point | 7% |
8 census tracts border Census Tract 9645: Tract 9644 ($81,311), Tract 9646 ($74,034), Tract 9656 ($60,966), Tract 9797 in Lawrence County ($69,800), Tract 52.01 in Morgan County ($90,274), Tract 55 in Morgan County ($86,458), Tract 9655.01 in Winston County ($65,120) and Tract 9655.03 in Winston County ($47,120). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 9645?
The 2020-2024 American Community Survey puts Census Tract 9645's population at 5,056 (±914) in 1,715 households; the 2020 Census counted 4,629 residents and 2,036 housing units.
| Measure | Tract 9645 | Cullman County |
|---|---|---|
| Total population | 5,056 ±914 | 90,566 |
| Households | 1,715 ±229 | 35,347 |
| Average household size | 2.95 ±0.32 | 2.53 |
| Housing units | 1,860 ±233 | 39,871 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 9645?
The median resident of Census Tract 9645 is 38.2 years old; 22.5% are under 18 and 16.2% are 65 or older. The largest group is non-Hispanic white residents at 96.4%, then Hispanic or Latino residents (of any race) at 1.7%.
| Measure | Tract 9645 | Cullman County |
|---|---|---|
| Median age | 38.2 ±4.3 | 40.8 |
| Under 18 years | 22.5% ±4.0 pts | 22.4% |
| 65 years and over | 16.2% ±5.6 pts | 19.0% |
| Hispanic or Latino (any race) | 1.7% ±2.2 pts | 5.0% |
| White alone, not Hispanic | 96.4% ±3.0 pts | 89.5% |
| Black or African American alone, not Hispanic | 1.4% ±2.1 pts | 1.0% |
| Asian alone, not Hispanic | 0.0% ±0.8 pts | 0.5% |
| American Indian and Alaska Native alone, not Hispanic | 0.1% ±0.2 pts | 0.3% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.8 pts | 0.0% |
| Two or more races, not Hispanic | 0.3% ±0.7 pts | 3.6% |
| Some other race alone, not Hispanic | 0.0% ±0.8 pts | 0.1% |
| Born outside the United States | 0.1% ±0.2 pts | 2.3% |
| Speak a language other than English at home (age 5+) | 0.4% ±0.4 pts | 4.4% |
| Civilian veterans (age 18+) | 4.9% ±2.8 pts | 6.7% |
| With a disability | 10.9% ±4.1 pts | 18.4% |
| No health insurance coverage | 11.2% ±6.1 pts | 10.9% |
| High school graduate or higher (age 25+) | 93.2% ±3.3 pts | 86.3% |
| Bachelor's degree or higher (age 25+) | 12.2% ±5.2 pts | 19.7% |
| Graduate or professional degree (age 25+) | 2.3% ±1.9 pts | 6.6% |
| Lived in the same house a year earlier | 95.4% ±2.8 pts | 87.0% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 9645 earn?
Half of the 1,715 households in Census Tract 9645 earn less than $65,542 a year (±$16,337), against $62,656 across Cullman County: 12th highest of the county's 22 tracts with a reliable estimate. 16.9% of residents live below the poverty line.
| Measure | Tract 9645 | Cullman County |
|---|---|---|
| Median household income | $65,542 ±$16,337 | $62,656 |
| Mean household income | $82,126 ±$16,482 | $82,606 |
| Per capita income | $28,896 ±$5,301 | $33,019 |
| People below the poverty line | 16.9% ±9.9 pts | 15.3% |
| Children under 18 below the poverty line | 27.2% ±21.2 pts | 21.2% |
| Households receiving SNAP | 10.4% ±6.0 pts | 10.0% |
| Households with a computer | 94.3% ±4.2 pts | 92.7% |
| Households with a broadband subscription | 83.4% ±7.2 pts | 87.3% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 9645?
Owners occupy 90.9% of Census Tract 9645's occupied homes and renters 9.1%. The median owner-occupied home is valued at $212,000 by its owner (±$39,997). The median renter pays $1,031 a month including utilities.
| Measure | Tract 9645 | Cullman County |
|---|---|---|
| Median home value (owner-occupied) | $212,000 ±$39,997 | $199,100 |
| Median gross rent | $1,031 ±$462 | $908 |
| Renters paying 35% or more of income on rent | 7.0% ±11.3 pts | 31.0% |
| Median monthly owner costs, with a mortgage | $1,367 ±$177 | $1,359 |
| Owner-occupied homes | 90.9% ±5.3 pts | 76.6% |
| Renter-occupied homes | 9.1% ±5.3 pts | 23.4% |
| Housing units | 1,860 ±233 | 39,871 |
| Single-family detached homes | 73.9% ±7.9 pts | 70.0% |
| Mobile homes | 24.2% ±7.7 pts | 19.8% |
| Built 2020 or later | 2.7% ±3.1 pts | 3.3% |
| Built 2010 to 2019 | 25.1% ±9.7 pts | 12.2% |
| Built 1939 or earlier | 3.8% ±3.4 pts | 5.5% |
| Households with no vehicle | 0.8% ±0.9 pts | 3.2% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 9645 get to work?
82.7% of Census Tract 9645's workers drive alone. The average trip to work takes 30.5 minutes.
| Measure | Tract 9645 | Cullman County |
|---|---|---|
| In the labor force (age 16+) | 55.9% ±9.0 pts | 58.0% |
| Unemployment rate | 3.7% ±3.7 pts | 3.8% |
| Drove alone to work | 82.7% ±7.0 pts | 83.2% |
| Carpooled | 14.5% ±6.5 pts | 11.1% |
| Public transportation | 0.0% ±1.9 pts | 0.2% |
| Walked | 0.0% ±1.9 pts | 1.2% |
| Worked from home | 2.7% ±2.1 pts | 4.2% |
| Mean travel time to work | 30.5 min ±4.6 | 27.0 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 9645 compare with the other tracts in Cullman County?
Among Cullman County's tracts with a reliable estimate, Census Tract 9645 ranks as shown below (1 = highest).
| Measure | In Cullman County |
|---|---|
| Population | 5th of 22 |
| Residents per square mile | 20th of 22 |
| Median household income | 12th of 22 |
| Per capita income | 16th of 22 |
| Median home value | 9th of 22 |
| Median gross rent | 4th of 22 |
| Poverty rate | 5th of 17 |
| Bachelor's degree or higher | 18th of 22 |
| Median age | 16th of 22 |
| Owner-occupied share | 4th of 22 |
The tracts next to it on Cullman County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 9649.01 | 9th | $71,298±$16,837 · within the margin of this tract |
| Tract 9651 | 10th | $69,896±$28,060 · within the margin of this tract |
| Tract 9642.01 | 11th | $65,821±$11,625 · within the margin of this tract |
| Tract 9645 | 12th | $65,542±$16,337 |
| Tract 9642.02 | 13th | $62,313±$14,838 · within the margin of this tract |
| Tract 9652 | 14th | $60,994±$16,732 · within the margin of this tract |
| Tract 9656 | 15th | $60,966±$21,562 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 9645?
4 of the 18 figures for Census Tract 9645 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections