Pflugerville Mortgage Company
Pflugerville is in Travis County, and its neighbors to the north are not.
Round Rock, Hutto, Cedar Park and Leander all sit in Williamson County. Pflugerville sits in Travis — different county rate, different appraisal district, different healthcare district on the bill.
Buyers comparing Pflugerville against those towns routinely carry the wrong tax assumption across the county line, and on a $420,000 home that assumption is worth a few hundred dollars a month.
As a local Pflugerville mortgage company and independent broker, this is what the numbers actually look like.
The Travis County difference
Combined rates in Pflugerville commonly run 2.2% to 2.9% depending on the parcel — city of Pflugerville, Travis County, Pflugerville ISD, Austin Community College, and the Travis County Healthcare District.
That healthcare district line does not exist on a Williamson County bill. It is small on its own and it is part of why a straight comparison between Pflugerville and Round Rock misleads.
Then there is the MUD.
Pflugerville has grown through master-planned development, and much of that development is financed through Municipal Utility Districts — bonds for water, sewer and drainage, repaid through a tax on homeowners.
The spread between a no-MUD parcel and a first-phase MUD parcel is roughly 0.7 percentage points, or about $245 a month on a $420,000 home.
Verify the parcel with the Travis Central Appraisal District and read every taxing entity. It does not appear on a listing.
Refinancing, which more Pflugerville owners should be looking at
A large share of Pflugerville's housing stock turned over during 2022 to 2024, which means a substantial number of owners here are carrying rates from that window.
Four paths worth knowing:
Rate-and-term. Replaces your existing loan at a new rate or term. The straightforward one — worth running whenever your current rate is meaningfully above market.
Cash-out. Pulls equity, caps lower on LTV than rate-and-term, and prices higher. Useful for a specific deployment, expensive as a savings account.
VA IRRRL. If you already hold a VA loan, this is the simplest refinance available — typically no appraisal, no income documentation, often no out-of-pocket cost.
FHA Streamline. The FHA equivalent, similarly light on documentation for existing FHA borrowers.
One Pflugerville-specific point: if you bought with FHA and have since reached 20% equity through appreciation or payments, refinancing into conventional removes the mortgage insurance permanently. On FHA that insurance generally runs for the life of the loan. Given what Central Texas values have done, a meaningful number of local FHA borrowers are now past that threshold without realizing it. It is worth a ten-minute check.
Where people buy
Falcon Pointe is one of the larger master-planned communities on the east side, with amenity infrastructure, HOA and a MUD.
Blackhawk sits east toward SH 130 with a golf course and a similar profile.
Stone Hill and the developments along the SH 45 and Grand Avenue Parkway corridors carry substantial recent construction.
Highland Park and the older core near Pecan Street hold Pflugerville's original housing — smaller lots, mature trees, generally no HOA and often no MUD, which makes them quietly some of the better tax value in the city. Where a home needs updating, a renovation loan covering purchase and repairs together is usually cleaner than buying conventionally and finding cash afterward.
Lake Pflugerville on the east side is a municipal reservoir with a three-mile trail loop, and the neighborhoods around it carry a premium.
What to ask Pflugerville mortgage companies before choosing one
- What is the full taxing stack on this parcel, including the MUD and the healthcare district?
- Did you use Travis County rates, or did you assume Williamson?
- Is that an insurance quote on this address, or an estimate?
- If I am on FHA and past 20% equity, show me what conventional would do to my payment.
- Broker or single lender?
The second question catches more errors than any other in this city, because the surrounding suburbs are all in a different county.
Loan programs
Conventional financing at 3% down for qualifying first-time buyers, 5% otherwise. Pflugerville prices sit comfortably under the 2026 conforming limit of $832,750.
FHA financing at 3.5% down with flexible credit standards — widely used here, and worth revisiting once you cross 20% equity.
VA financing for eligible veterans — zero down, no monthly mortgage insurance, plus the Texas disabled veteran property tax exemption. At a 100% rating on a $420,000 home at 2.6%, that removes roughly $910 a month.
Down payment assistance through TSAHC and TDHCA, with income limits set by county and household size. Travis County limits differ from Williamson's — another reason the county matters. More on assistance.
Renovation loans for the older core.
Refinance options, as above.
Pflugerville, the place
The town was founded by German immigrant Henry Pfluger, who bought land here in 1849 after leaving Germany, and the family name stuck to the settlement. The silent P is genuine and locals are used to correcting people.
Pflugerville has leaned into it — the city's events and businesses are full of deliberate P-words, and Pfluger Park along Gilleland Creek is the center of municipal recreation, hosting the Pfestival and the Deutschen Pfest each May.
Lake Pflugerville offers a three-mile shoreline trail, swimming beach, kayaking and fishing — a genuine local asset for a suburb.
Typhoon Texas is the regional waterpark on the east side. Stone Hill Town Center handles most retail.
Practically: downtown Austin is about 17 miles south — roughly 25 to 35 minutes on I-35, considerably less predictable at peak. SH 130 runs along the eastern edge as a toll bypass, and SH 45 connects west toward the tech corridor. The Tesla Gigafactory and Austin-Bergstrom airport are both roughly 25 minutes via 130.
Not sure which fits? Compare every loan program we place.
Frequently asked questions
What county is Pflugerville in? Travis County — unlike Round Rock, Hutto, Cedar Park and Leander, which are all in Williamson County. That means a different county rate, a different appraisal district and a Travis County Healthcare District line on the bill.
What are property taxes in Pflugerville? Combined rates commonly run 2.2% to 2.9% depending on the parcel and any MUD. Verify with the Travis Central Appraisal District.
How do I choose between Pflugerville mortgage companies? Ask whether they used Travis County rates rather than assuming Williamson, whether they pulled the full taxing stack on your parcel, and whether they are a broker shopping the file or a single lender.
Should I refinance out of my FHA loan? If you have reached 20% equity, quite possibly — FHA mortgage insurance generally runs for the life of the loan, where conventional PMI falls off. Central Texas appreciation has put a number of local FHA borrowers past that threshold.
What is a VA IRRRL? A streamlined refinance for existing VA loans — typically no appraisal, no income documentation, often no out-of-pocket cost.
Do all Pflugerville neighborhoods have a MUD? No. The older core near Pecan Street generally does not; the newer master-planned communities more often do. The difference can be around $245 a month on a $420,000 home.
Is Pflugerville cheaper than Round Rock? It depends on the parcel more than the city, because the MUD matters more than the municipal line. Compare specific addresses rather than city averages — and make sure both are priced with the correct county.
Check the county, then the parcel
The most common Pflugerville error is carrying a Williamson County tax assumption across the line. Send us the address and we will pull the actual Travis County stack and build the real payment.
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