I did get it checked out, and inner ear or nerve damage was suggested as a cause. However, they also suggested that poor posture putting strain on the muscles around the neck could also be a factor, and I have noticed it gets worse when I slouch for extended periods. If you haven't investigated this side of things, it might be worth a go.
Also, oddly, it comes and goes over a scale of months, seemingly at random. One day, I'll wake up in my quiet bedroom and hear it, and I'll continue to hear it in quiet environments for a month or two. Then, after those several months, I'll wake up again and find it gone.
I notice a very loose correlation to it abating after a loud weekend, like a weekend spent driving my race car or doing metal fabrication, but otherwise it seems random.
A while back I ran it down with medical professionals, but the gist of that expensive adventure was that it was likely idiopathic. It appears to be of the subjective type rather than objective, but -- long story short -- that's not definitive.
My "solution" for now is to run the ceiling fan at night during the months it's present.
I too found exposure to loud noise supressed it (e.g. regularly suppressed for a couple of days after nightclubbing), also only 'audible' in very quiet surroundings (even lightly touching an earlobe caused the 'hum' to cut out).
It went away after life got noisier (kids'n'dogs).
There is indeed low-pitch tinnitus. It's much less common. I have a version of it. In complete silence, I "hear" a rather pure 73 Hz tone. Luckily I am rarely in complete silence, or I think it would drive me crazy. A doctor said that I perhaps have inner ear damage that my brain has compensated for. I've had it for about a year.
This is the tone: https://www.szynalski.com/tone-generator/#D2,v1