Cost of Living in Humble
Humble runs meaningfully below both the national and Texas state average cost of living, with genuinely affordable housing -- though housing-price figures disagreed unusually widely across the sources checked this session.
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Learn moreA cost of living well below both national and state averages
BestPlaces-derived figures put Humble's overall cost of living about 6% below the national average and about 16% below the Texas state average, with grocery, health, and utilities running only slightly below the national average and transportation and miscellaneous categories running somewhat above it (base record).
Housing: affordable, but sources disagreed by a wide margin
Redfin cited a median sale price of $289,842 for June 2026 (up a sharp 23.4% year over year), Movoto separately cited $315,000 for July 2026, and a third source (likely reflecting an older or differently-scoped estimate) cited a much lower $190,900 -- a genuine, disclosed three-way spread of nearly $125,000 rather than one settled figure (base record). Treat $289,842 as the most current directional estimate and confirm current pricing directly for a specific transaction.
No state income tax, with a real Harris County property tax layer
Texas's lack of a state income tax applies fully in Humble. Harris County's effective property tax rate runs around 2.03%, but unlike unincorporated Cypress elsewhere in this dataset, Humble IS a small incorporated city with its own additional city tax layer -- that specific city millage rate was not independently confirmed this session (base record); confirm the full combined rate for a specific address directly with the Harris County Appraisal District.
Homeowners insurance runs moderate, with a real local flood-risk caveat
Homeowners insurance in Humble is estimated at around $1,463/year, with the source itself noting premiums can run higher locally due to flood risk and severe-weather patterns -- a real, relevant caveat given the area's documented San Jacinto River flood history (base record; see climate and taxes-insurance).
Key takeaways
- Humble's cost of living runs about 6% below the national average and about 16% below the Texas state average (BestPlaces-derived figures).
- Housing-price sources disagreed by nearly $125,000 across three readings ($190,900-$315,000) -- treat $289,842 (the most recent Redfin figure) as directional, not a single settled number.
- No state income tax, but Humble carries both a Harris County property tax rate (~2.03%) and its own additional city tax layer, whose specific rate wasn't independently confirmed this session.
- Homeowners insurance runs around $1,463/year on average, though local flood risk (San Jacinto River/Lake Houston) can push individual premiums higher -- budget flood insurance separately.
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