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Even in humid areas, evaporative coolers can work and significantly cool things off. I imagine a combination of those (which tend to be much less expensive than AC and don't require any installation), a decent fan, a home painted white and a decent amount of shade trees would work quite well.
Of course, a lot of those things are luxuries as well.
True on all accounts.
Also fun aside -- Evaporative coolers are sold under the name of "refrigerating fans" here, a sort of "alternative" for someone who can't afford an AC (or can afford the machine but wants/needs to save on the power bill).