Texas micro-market
Healthcare practice financing in Humble, Texas
Direct answer
Density decides a lot here. Humble runs 717.3 providers per 10,000 residents, 1,188 clinicians against 16,561 people, 19 percent of them in physical, occupational, and speech therapy, while Harris County lenders have approved 126 healthcare files worth $70,244,400 and the nearest metro is 16 miles out.
A location page indicates that Practition Finance is taking clients in that market. It does not represent a physical office, storefront, or licensed presence in that city or state. All services are delivered remotely by our US-based team. Which programs can be referred from Texas, and which cannot, is set out on the Texas page.
- Population: 16,561 residents (10K-25K band)1
- Healthcare providers registered here: 1,188 across 35 fields2
- Median household income: $52,9273
- Largest provider field: Physical, occupational, and speech therapy: 227 registered providers2
- Medicare-certified providers in town: 16 across 4 categories4
- Nearest metro: Houston-Pasadena-The Woodlands, TX, 16 miles1
What NPPES records at Humble addresses
Counted at the town's own addresses: 1,188 providers, 35 fields, 717.3 clinicians per 10,000 of the 16,561 residents here
| Specialty | Enumerated clinicians | Density per 10,000 | Where it comes from |
|---|---|---|---|
| Physical, occupational, and speech therapy | 227 | 137.1 | NPPES [2] |
| ASCs and OBLs | 106 | 64.0 | NPPES [2] |
| General dentistry | 102 | 61.6 | NPPES [2] |
| Primary care and family medicine | 97 | 58.6 | NPPES [2] |
| Specialty physician groups | 83 | 50.1 | NPPES [2] |
| Optometry and ophthalmology | 79 | 47.7 | NPPES [2] |
| Home health | 61 | 36.8 | NPPES [2] |
| ABA and autism therapy | 54 | 32.6 | NPPES [2] |
| DME and HME suppliers | 48 | 29.0 | NPPES [2] |
| Chiropractic | 47 | 28.4 | NPPES [2] |
| Behavioral and mental health group practices | 35 | 21.1 | NPPES [2] |
| Dental specialties | 34 | 20.5 | NPPES [2] |
| Independent pharmacy | 32 | 19.3 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 25 | 15.1 | NPPES [2] |
| Non-medical home care | 24 | 14.5 | NPPES [2] |
| Clinical and toxicology labs | 17 | 10.3 | NPPES [2] |
| Urgent care | 11 | 6.6 | NPPES [2] |
| NEMT and ambulance | 11 | 6.6 | NPPES [2] |
| Audiology and hearing centers | 11 | 6.6 | NPPES [2] |
| Hormone, TRT, and men's health clinics | 11 | 6.6 | NPPES [2] |
| Podiatry | 10 | 6.0 | NPPES [2] |
| Dialysis and infusion centers | 10 | 6.0 | NPPES [2] |
| Hospice and palliative | 8 | 4.8 | NPPES [2] |
| Telehealth and virtual clinics | 8 | 4.8 | NPPES [2] |
| Occupational health and drug testing | 8 | 4.8 | NPPES [2] |
| Imaging centers | 7 | 4.2 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 6 | 3.6 | NPPES [2] |
| Dermatology | 4 | 2.4 | NPPES [2] |
| Med spa and aesthetics | 3 | 1.8 | NPPES [2] |
| Clinical research sites | 3 | 1.8 | NPPES [2] |
| SUD treatment and residential | 2 | 1.2 | NPPES [2] |
| Pain management and interventional | 1 | 0.6 | NPPES [2] |
| Fertility and IVF | 1 | 0.6 | NPPES [2] |
| Mobile diagnostics | 1 | 0.6 | NPPES [2] |
| IV hydration and infusion | 1 | 0.6 | NPPES [2] |
| Medical equipment suppliers | 28 | CMS [4] | |
| Dialysis facilities | 7 | CMS [4] | |
| Ambulatory surgical centers | 4 | CMS [4] | |
| Home health agencies | 3 | CMS [4] | |
| Hospice providers | 2 | CMS [4] |
Several of the 227 physical, occupational, and speech therapy enumerations can belong to one practice, so the column counts clinicians rather than businesses or owners
What lenders have already approved in Harris County
126 healthcare approvals averaging $557,495 set the deal shape lenders in Harris County have already underwritten
| Measure | Published figure | What sits behind it |
|---|---|---|
| SBA healthcare approvals | 126 | One published fiscal year, healthcare borrowers only [5] |
| Approved dollars | $70,244,400 | Approved, not disbursed, and not net of withdrawals [5] |
| Average approval | $557,495 | A mean, so one large approval moves it [5] |
| Lending establishments in the county | 2,607 | Credit intermediation offices sited in the county [6] |
The consequence of these numbers
A file from here opens on 717.3 providers per 10,000 residents, and everything about volume follows from it. 126 approvals worth $70,244,400 in Harris County means the size you are asking for has a local precedent to point at. With $52,927 as the median household income, the payer mix in a projection has to match what Humble households actually spend.
The programs this provider mix points at
- Practice acquisition
- Expansion, relocation, and build-out
- Startup and de novo
- Equipment financing and leasing
- Commercial real estate, owner-occupied
Weighted by how often each of the 35 local fields reaches for a program, not by what is easiest to refer. Texas rules and the partner decide availability.
Underwriting by field in Humble
What a funder opens first depends on the field. In Humble that means physical, occupational, and speech therapy, ascs and obls, general dentistry.
| Specialty | Read first in underwriting | Why the money is usually needed |
|---|---|---|
| Physical, occupational, and speech therapy (227) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| ASCs and OBLs (106) | Projected case volume by specialty, Accreditation path and timing, Debt service coverage on the pro forma | De novo center on projected case volume |
| General dentistry (102) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
Local counts come from NPPES. What a file turns on is drawn from how the field is generally reviewed, not from any decision about your practice.
How Humble prices against its neighbors
The neighboring markets below are the ones a valuation borrows from when Humble has too few sales of its own
| Comparable | People | Enumerations | Per 10,000 residents | Miles |
|---|---|---|---|---|
| Humble (current) | 16,561 | 1,188 | 717.3 | |
| Galena Park | 10,438 | 8 | 7.7 | 17 |
| Deer Park | 34,495 | 109 | 31.6 | 22 |
| Tomball | 15,152 | 625 | 412.5 | 22 |
| Bellaire | 17,439 | 686 | 393.4 | 23 |
| South Houston | 16,146 | 19 | 11.8 | 23 |
| Mont Belvieu | 10,229 | 41 | 40.1 | 25 |
How Humble sits against the nearest metro
Distance to Houston-Pasadena-The Woodlands, TX is 16 miles. Appraisers borrow Houston-Pasadena-The Woodlands, TX rents, and the 16,561 residents set the ceiling on collections. At $52,927 median household income, the elective and cash-pay share of a projection is the line that gets tested first. Because a certified hospital sits inside the town, both the referral path and the pay a clinical hire expects are already observable.
More of Texas
- Galena Park 10,438 residents
- Deer Park 34,495 residents
- Tomball 15,152 residents
- Bellaire 17,439 residents
- South Houston 16,146 residents
- Mont Belvieu 10,229 residents
Humble owners, answered
01How many providers practice in Humble, and in what?
1,188 enumerations sit at Humble addresses in the monthly NPPES file, working out to 717.3 for every 10,000 residents. 19 percent of them are physical, occupational, and speech therapy, and ascs and obls follows with 106. An enumeration is a clinician, so the 1,188 here cover fewer than 1,188 practices.
02Which fields carry the volume in Humble?
Physical, occupational, and speech therapy at 227 providers and ascs and obls at 106 lead the 35 fields enumerated here. A funder reads that mix as the local competition set and the local hiring pool at once, before it reads a single line of your own numbers.
03What does SBA lending look like around Humble?
Healthcare borrowers in Harris County took 126 approvals worth $70,244,400 in the published fiscal year, averaging $557,495. That is the comparable set an appraiser near Humble reaches for first.
04What does Harris County's shortage designation change?
The primary care, dental, mental health designation HRSA carries on Harris County is a recruiting instrument: it puts repayment incentives in front of candidates, which is how a hiring plan for 16,561 residents gets past the question of who would take the job.
05How does the hospital in Humble affect a practice file?
It makes the staffing and referral lines checkable. 16 Medicare-certified providers hold Humble addresses, and the hospital sets the wage a clinical hire is bid against in a 717.3 per 10,000 market.
06Is Humble underwritten as part of Houston-Pasadena-The Woodlands, TX?
Comparables and demand split at 16 miles. An appraiser prices the lease and the equipment off Houston-Pasadena-The Woodlands, TX; the revenue line has to hold up against 16,561 local residents.
Sources
- 1U.S. Census Bureau, Population Estimates, vintage 2024
- 2CMS NPPES, monthly full replacement file
- 3U.S. Census Bureau, ACS 5-year 2023, table B19013
- 4CMS Care Compare provider datasets
- 5U.S. Small Business Administration, 7(a) and 504 approvals
- 6U.S. Census Bureau, County Business Patterns 2022
Our team reviews every request within 1 business day. If a funding partner thinks they can help, a specialist from that partner contacts you to discuss next steps.