$1.997 Billion
in Outstanding Bond Debt
As of FY2025, Humble ISD carries nearly $2 billion in total bond obligations — principal still owed plus all future scheduled interest payments. That's $9,779 per resident, more than double the per-capita burden from a decade ago. The district's population grew 7.7% in that time. Debt grew 126%.
The figures shown are total obligations — the principal Humble ISD still owes, plus every future interest payment already scheduled. As new bonds are issued and old ones are paid off, this number changes each year. The $700.8M in interest means that for every dollar borrowed, the district pays back roughly $1.54 in total.
Blue = principal still owed (money borrowed). Orange = interest still owed (cost of borrowing). Both are growing — but interest is growing faster.
Each resident's share of the total outstanding debt. A family of four carries roughly four times this amount.
| Fiscal Year | Principal | Interest | Total Owed | Population* | Per Capita | Year-Over-Year Change |
|---|
*Population estimates per Municipal Advisory Council of Texas. Fiscal year ends June 30. "Total Owed" = principal remaining + all future scheduled interest payments as of year-end.
What does this mean
for taxpayers?
Bond debt is not the same as the annual school budget. You pay for it on a separate line of your property tax bill — the I&S (Interest & Sinking) rate, which goes entirely toward repaying bonds and interest. The M&O rate funds daily school operations.
Humble ISD's total debt has grown from $882 million in 2014 to nearly $2 billion in 2025 — a 126% increase — while the district's population grew by less than 8%. That gap means each resident now carries more than twice the debt share they did a decade ago.
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Voter-approved bonds — Humble ISD voters approved these bonds at elections. Bonds fund the construction and major renovation of school buildings — things that can't come from the regular operating budget.
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Separate from your operating budget tax — The I&S rate on your property tax bill goes directly to bondholders. It is charged in addition to the M&O rate that pays for teachers and daily operations.
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$700M is just the cost of borrowing — Of the nearly $2B owed, $700.8M is interest — money paid to bondholders above and beyond what was originally borrowed. That's not a building or a classroom. It's the price of financing.
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Debt outpaced growth — Population rose 7.7% from 2014 to 2025. Debt rose 126%. The per-capita burden has more than doubled: $4,653 per resident in 2014 → $9,779 in 2025. A family of four now carries roughly $39,116 in Humble ISD bond obligations.