Mortgage Rates in Pflugerville, Texas — March 2026
Updated March 2026 | Based on Pflugerville market data and regional lending conditions
Pflugerville is a growing city in Texas with a population of 72,806. The current 30-year fixed mortgage rate in Pflugerville is 6.7%, which is 0.05% above the national average. With a median home price of $365,000 and a 20% down payment of $73,000, homebuyers can expect a monthly principal and interest payment of approximately $1,884.
Current Mortgage Rates in Pflugerville, TX
Below are the current average mortgage rates available in the Pflugerville area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.7% | 6.65% | +0.05% |
| 15-Year Fixed | 5.94% | 5.89% | +0.05% |
| 5/1 ARM | 6.2% | 6.15% | +0.05% |
| FHA | 6.3% | 6.25% | +0.05% |
| VA | 6.1% | 6.05% | +0.05% |
| Jumbo | 6.9% | 6.85% | +0.05% |
Pflugerville Housing Market Overview
The Pflugerville housing market reflects moderate demand with prices near the national average. The median household income in Pflugerville is $82,250, and the cost of living index is 95.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $104,229 to comfortably afford the median-priced home in Pflugerville, which exceeds the current median household income.
Monthly Payment Breakdown for Pflugerville
Based on the median home price of $365,000 with 20% down ($73,000), here is what you can expect to pay monthly in Pflugerville:
15-Year vs. 30-Year Mortgage in Pflugerville
Choosing a 15-year mortgage in Pflugerville at 5.94% instead of a 30-year at 6.7% would save you $236,340 in total interest over the life of the loan. However, your monthly payment would be $2,455 instead of $1,884 — an increase of $571 per month.
Calculate Your Pflugerville Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Pflugerville
What are the current mortgage rates in Pflugerville, TX?
As of March 2026, the average 30-year fixed mortgage rate in Pflugerville, Texas is 6.7%, while the 15-year fixed rate is 5.94%. FHA loans average 6.3% and VA loans 6.1%. These rates are 0.05% above the national average of 6.65%.
How much is a monthly mortgage payment in Pflugerville?
Based on the median home price of $365,000 with 20% down, the estimated monthly mortgage payment in Pflugerville is $1,884 for principal and interest. Including property taxes of $548/month, the total monthly housing cost is approximately $2,432.
What income do I need to buy a home in Pflugerville?
Using the 28% rule, you would need an annual income of approximately $104,229 to afford the median-priced home in Pflugerville at $365,000. The median household income in Pflugerville is $82,250. This means most households would need to either earn above the median or consider homes below $365,000.
Is Pflugerville a good place to buy a home in 2026?
Pflugerville offers a below-average cost of living with a cost of living index of 95.5 (national average = 100). The property tax rate in Texas is 1.8%, which is above the national average. Pflugerville has a population of 72,806 and offers a balanced lifestyle.
Mortgage Rates in Other Texas Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Pflugerville, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.