Formaldehyde (HCHO) is a major indoor pollutant that is extremely harmful to human health even at ppb-level. Meanwhile, ppb-level HCHO is also a potential disease marker in the exhalation of patients with respiratory diseases. Higher humidity resistance and lower practical limit of detection (pLOD) both have to be pursued for practical HCHO sensors. In this work, by assembling indium oxide (In2O3) and fluorinated dipole modified reduced graphene oxide (rGO), we prepared a high-performance room temperature HCHO sensor (In2O3 @ATQ-rGO). Excellent sensing properties toward HCHO under visible illumination have been achieved, including ultra-low pLOD of 3 ppb and high humidity-resistance. By control experiments and density functional theory calculation, it is indicated that the introduced fluorinated dipoles act as not only an "umbrella" to improve the humidity resistance of the composite, but also a "bridge" to accelerate the electron transport, improving the sensitivity of the material. The significant practicality and reliability of the obtained sensors were verified by in-situ simulation experiments using a 3 m3 test chamber with a humidity control system and by detection of the simulated lung disease patient’s exhalation. This work provides an effective strategy of simultaneously achieving high humidity-resistance and low pLOD of room temperature formaldehyde sensing materials.