Georgetown, TX vs. Pflugerville, TX: Cost of Living Comparison (2025)
Moving to the Georgetown area and wondering how the cost of living stacks up against nearby Pflugerville? On average, a household earning $5,500 per month in Georgetown would need to make $5,950 in Pflugerville to maintain the same lifestyle. Let’s dive into the details to help you choose the right fit for your budget and preferences in 2025.
1. Housing Costs
Housing is often the biggest factor in cost of living differences. Here’s how typical rent and mortgage costs compare for common housing types:
| Housing Type | Georgetown | Pflugerville |
|---|---|---|
| 2BR Apartment Rent | $1,450 | $1,650 |
| 3BR Home Mortgage | $2,100 | $2,400 |
🏆 Winner: Georgetown. Housing costs are about 12% lower on average in Georgetown compared to Pflugerville.
2. Utilities and Energy Costs
Utility bills are a monthly expense that can add up. In Georgetown, expect to pay around $180 per month for a 1,000 sq ft apartment, including electricity, gas, water, and trash. Pflugerville utility costs are about 5% higher, averaging $190 per month.
Both cities experience hot Texas summers, so air conditioning usage drives up electric bills from June through September. Many residents take advantage of free nights and weekend plans from the electric company to save.
🏆 Winner: Georgetown, but the difference is minor. Utility costs are fairly similar between the two cities.
3. Groceries and Daily Expenses
Weekly grocery costs are nearly identical in Georgetown and Pflugerville. Expect to spend around $125 per week on groceries for a couple, or $200+ for a family of four. Eating out is also comparable, with a typical meal for two ranging from $30-60 in both cities.
However, Pflugerville does have slightly lower costs on common goods like gas, clothing, and entertainment – about 3% less on average than Georgetown.
🏆 Winner: Pflugerville, but not by much. Daily expenses are quite close between the two cities.
4. Taxes and Fees
Texas has no state income tax, so your take-home pay will be the same in both cities. However, property taxes and city fees do vary:
- Georgetown property tax rate: 2.2%
- Pflugerville property tax rate: 2.35%
- Georgetown average monthly HOA fee: $30
- Pflugerville average monthly HOA fee: $40
In Georgetown, HOA fees often include services like community landscaping and trash pickup. Pflugerville has fewer master-planned developments with these perks.
🏆 Winner: Georgetown. Lower property tax and HOA fees give it the edge.
5. Cost of Living Summary
Here’s a full comparison table of major monthly expenses for a typical household:
| Expense | Georgetown | Pflugerville |
|---|---|---|
| Housing | $1,600 | $1,800 |
| Utilities | $180 | $190 |
| Groceries | $500 | $500 |
| Transportation | $300 | $280 |
| Taxes | $1,200 | $1,250 |
| Misc Expenses | $720 | $730 |
| Estimated Monthly Total | $4,500 | $4,750 |
Overall, the cost of living is about 5% lower in Georgetown compared to Pflugerville for a similar lifestyle. A household moving from Pflugerville to Georgetown might save $250 per month on expenses.
6. Lifestyle Fit
While costs are important, so is quality of life. Some key differences:
- Georgetown offers a charming downtown square and easy access to outdoor recreation at Lake Georgetown. It has a more relaxed, small-town vibe.
- Pflugerville is closer to Austin for big city amenities and has more shopping and dining options. It’s a bit more suburban with newer housing.
Pflugerville is about 5°F warmer on average than Georgetown. Both are hot in summer, but Pflugerville’s slightly lower elevation means more heat.
Commute times are 10-15 minutes shorter from Pflugerville to major Austin employers. Georgetown is a bit more removed.
Frequently Asked Questions
Is Georgetown more affordable than Pflugerville?
Yes, Georgetown has a lower overall cost of living, primarily due to cheaper housing. Expect to spend about 5% less living in Georgetown.
Which city has lower rent?
Rental costs are lower in Georgetown by roughly 10-15% for comparable properties. Use our [Monthly Budget Examples for Georgetown Residents](/georgetown-tx/monthly-budget/) to estimate your costs.
Where is it cheaper to buy a home?
Georgetown has lower home prices on average than Pflugerville, by about 12%. Property taxes are also slightly lower in Georgetown.
Conclusion
While Georgetown and Pflugerville are only 10 miles apart, their costs and lifestyles do differ. Georgetown is the more affordable place to live by about 5% for most households. It offers a smaller-town feel and lower housing costs that appeal to families and retirees.
Pflugerville has more of a suburban vibe with convenient access to Austin. It’s a great fit for commuters who want newer homes and don’t mind paying a bit more. Ultimately, both cities provide a high quality of life – it just depends on your budget and priorities.
For a full breakdown of expenses in Georgetown, check out our [Cost of Living in Georgetown (2025 Guide)](/georgetown-tx/cost-overview/). You can also compare other Central Texas cities to find the ideal fit for you.