Rent vs buy in Pflugerville, TX
In Pflugerville, Texas, the typical rent is $1,601 /mo and the typical home costs $363,170.
Renting comes out ahead by $49k over 7 years
Using Pflugerville's typical rent and typical home value, plus 20% down and today's mortgage rate. The break-even point arrives in year 21.
Clearly labelled opinion with the math shown. These are estimates, not quotes. Change any number and the stamp changes with it.
- Rent leads by
- $49k after 7 years
- Where costs match
- year 21 when owning catches up
- Actual cost of ownership
- $3,413 a month year 1, against $1,601 rent
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Is renting or buying cheaper in Pflugerville?
Over 7 years, renting costs $48,936 less once you count the money you get back when you sell. For the first 20 years, renting costs less. In year 21, owning catches up.
The renting option. The owning option. Net cost to date, by year.
Average rent compared with mortgage payment in Pflugerville
Rent and mortgage payments aren't the whole story. Here are all monthly costs in year 1, calculated at Pflugerville's typical price.
| Each month, year 1 | Amount | What it is |
|---|---|---|
| Rent | $1,601 | All of it, every month |
| Mortgage payment | $1,980 | $1,745 of it is interest in year 1 |
| Property tax | $493 | 1.63% of the value a year |
| Insurance | $130 | Census median for the city |
| Upkeep | $303 | 1% of the value a year |
| Owning, cash out | $2,906 | $235 of it builds equity |
| Lost return on the down payment | $590 | The yearly return on that cash at 8.3% |
| Buying costs, spread out | $151 | 3.5% of the price over 7 years |
| True cost of owning | $3,413 | Cash out, minus equity, plus the two lines listed above. |
The figures behind the verdict in Pflugerville
- Typical home valueZillow ZHVI, September 2026
- $363,170
- Typical rentZillow ZORI, September 2026
- $1,601 /mo
- Down payment20% avoids private mortgage insurance, which the engine does not model
- 20%
- Mortgage rateFreddie Mac Primary Mortgage Market Survey (FRED MORTGAGE30US)
- 7.24%
- Home price growthFHFA house price index, Texas, 1995 to 2025
- 4.7% a year
- Rent growthCPI rent of primary residence, yearly growth 2006 to 2026
- 3.5% a year
- Return on savings60% S&P 500 with dividends and 40% 10-year Treasuries, rebalanced yearly, 1928 to 2025
- 8.3% a year
- Property taxCensus ACS 2020-2024, Pflugerville
- 1.63% of value
- Home insuranceCensus ACS 2020-2024, Pflugerville
- $130 /mo
- MaintenanceFannie Mae, low end of 1% to 4%
- 1% of value a year
- Buying costsFreddie Mac, middle of 2% to 5%
- 3.5% of price
- Selling costsAgent commission plus closing costs
- 6% of price
What would change the result in Pflugerville?
Each line marks the point where the verdict for Pflugerville over 7 years changes, while all other factors stay the same.
When renting wins
- Home prices grow at a rate below 6.3% a year, and 4.7% is the figure we apply, Texas's long-run rate.
- A mortgage rate above 4.83% stays in place.
- Monthly rent for a similar home comes in under $2,130 (typical here: $1,601).
- Your move happens before year 21.
When buying wins
- Annual home price growth goes above 6.3%.
- A mortgage rate under 4.83% gets locked in (the rate today is 7.24%).
- Paying rent for the same home would run above $2,130 each month.
- Your stay lasts at least 21 years.
How Pflugerville compares with the other 812 cities
| Measure | Pflugerville | Median city |
|---|---|---|
| Typical home value | $363,170 | $422,451 |
| Typical rent | $1,601 /mo | $1,837 /mo |
| Price-to-rent ratio | 18.9 (#392 of 813) | 18.5 |
| Home prices, last 10 years | 4% a year | 6.2% a year |
| Rents, last 5 years | -0.5% a year | 4% a year |
| Property tax | 1.63% | 0.87% |
| Households that rent | 30% | 42% |
Sources: Zillow ZHVI and ZORI, Census ACS 2020-2024.
More cities across Texas
- Toss-up. Houston, TX. Renting leads by $2k.
- Rent. San Antonio, TX. Renting leads by $10k.
- Rent. Dallas, TX. Renting leads by $20k.
- Rent. Fort Worth, TX. Renting leads by $17k.
- Rent. Austin, TX. Renting leads by $111k.
- Toss-up. El Paso, TX. Buying leads by $2k.
- Rent. Arlington, TX. Renting leads by $34k.
- Buy. Corpus Christi, TX. Buying leads by $4k.
- Rent. Plano, TX. Renting leads by $105k.
- Toss-up. Lubbock, TX. Buying leads by $2k.
- Rent. Laredo, TX. Renting leads by $20k.
- Rent. Irving, TX. Renting comes out ahead by $36k.