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  <xs:element id="phm_MidWestMember" abstract="true" name="MidWestMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phm_WestMember" abstract="true" name="WestMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phm_LesseeOperatingLeaseLeaseNotYetCommencedLiability" abstract="false" name="LesseeOperatingLeaseLeaseNotYetCommencedLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phm_RevolvingCreditFacilityAccordionFeatureMember" abstract="true" name="RevolvingCreditFacilityAccordionFeatureMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phm_WestMemberMember" abstract="true" name="WestMemberMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phm_UnsecuredSeniorNotes6375DueMay2033Member" abstract="true" name="UnsecuredSeniorNotes6375DueMay2033Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phm_IncurredButNotReportedPercentageOfLiabilityReserves" abstract="false" name="IncurredButNotReportedPercentageOfLiabilityReserves" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="phm_AssetsInScopeUnderAccountingStandardsCodification326" abstract="false" name="AssetsInScopeUnderAccountingStandardsCodification326" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phm_LettersofcreditandsuretybondsPolicyTextBlock" abstract="false" name="LettersofcreditandsuretybondsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="phm_BusinessAcquisitionsAbstract" abstract="true" name="BusinessAcquisitionsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="phm_IncreaseDecreaseinLiabilityforClaimsandClaimsAdjustmentExpenseReserveAbstract" abstract="true" name="IncreaseDecreaseinLiabilityforClaimsandClaimsAdjustmentExpenseReserveAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="phm_Contractassetinsurancerenewals" abstract="false" name="Contractassetinsurancerenewals" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phm_NotesPayableMaturingIn2026Member" abstract="true" name="NotesPayableMaturingIn2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phm_SharerepurchaseplanMember" abstract="true" name="SharerepurchaseplanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phm_ShareswithheldtopaytaxesMember" abstract="true" name="ShareswithheldtopaytaxesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phm_TexasMember" abstract="true" name="TexasMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phm_EffectivePeriodDomain" abstract="true" name="EffectivePeriodDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phm_NumberOfClaimsUnderReviewByManagement" abstract="false" name="NumberOfClaimsUnderReviewByManagement" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="phm_HomebuilderCapitalizedInterestRollforwardTableTextBlock" abstract="false" name="HomebuilderCapitalizedInterestRollforwardTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="phm_InnovativeConstructionGroupMember" abstract="true" name="InnovativeConstructionGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phm_FloridaMember" abstract="true" name="FloridaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phm_FairValueAssetsAndLiabilitiesMeasuredOnNonRecurringBasisAbstract" abstract="true" name="FairValueAssetsAndLiabilitiesMeasuredOnNonRecurringBasisAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="phm_ScheduleOfCompanyInterestsInLandOptionAgreementsTableTextBlock" abstract="false" name="ScheduleOfCompanyInterestsInLandOptionAgreementsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="phm_A4.250unsecuredseniornotesdueMarch2021Member" abstract="true" name="A4.250unsecuredseniornotesdueMarch2021Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phm_MaximumProductWarrantyInYears" abstract="false" name="MaximumProductWarrantyInYears" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="phm_AdditionsToSelfInsuranceReserves" abstract="false" name="AdditionsToSelfInsuranceReserves" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phm_UnsecuredSeniorNotes600DueFebruary2035Member" abstract="true" name="UnsecuredSeniorNotes600DueFebruary2035Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phm_HomeBuildingSegmentMember" abstract="true" name="HomeBuildingSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phm_ScheduleOfImpairmentLossesTableTextBlock" abstract="false" name="ScheduleOfImpairmentLossesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="phm_SuretyBondsOutstanding" abstract="false" name="SuretyBondsOutstanding" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phm_SeniorUnsecuredTermLoanMaturingJanuary32027MemberDomain" abstract="true" name="SeniorUnsecuredTermLoanMaturingJanuary32027MemberDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phm_FairValueDisclosureAbstract" abstract="true" name="FairValueDisclosureAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="phm_MidwestMemberMember" abstract="true" name="MidwestMemberMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phm_TexasMemberMember" abstract="true" name="TexasMemberMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phm_NetRealizableValueAdjustmentsLandHeldForSaleTotal" abstract="false" name="NetRealizableValueAdjustmentsLandHeldForSaleTotal" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phm_HomeBuildingSalesMember" abstract="true" name="HomeBuildingSalesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phm_NotesPayableMaturingIn2027Member" abstract="true" name="NotesPayableMaturingIn2027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phm_DebtInstrumentEffectivePeriodPeriodOneMember" abstract="true" name="DebtInstrumentEffectivePeriodPeriodOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phm_SelfInsuranceLiabilityRollforwardTableTextBlock" abstract="false" name="SelfInsuranceLiabilityRollforwardTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="phm_SoutheastMember" abstract="true" name="SoutheastMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phm_DebtCovenantAdditionalIssuanceofLettersofCreditMaximum" abstract="false" name="DebtCovenantAdditionalIssuanceofLettersofCreditMaximum" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phm_Interestpaidcapitalizednet" abstract="false" name="Interestpaidcapitalizednet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phm_A5.500unsecuredseniornotesdueMarch2026Member" abstract="true" name="A5.500unsecuredseniornotesdueMarch2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phm_EffectiveIncomeTaxReconciliationTaxCreditsAmountFederalEnergyEfficientHomeCredit" abstract="false" name="EffectiveIncomeTaxReconciliationTaxCreditsAmountFederalEnergyEfficientHomeCredit" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phm_SeriesAJuniorParticipatingPreferredSharePurchaseRightsMember" abstract="true" name="SeriesAJuniorParticipatingPreferredSharePurchaseRightsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phm_WriteOffOfDepositsAndPreAcquisitionCosts" abstract="false" name="WriteOffOfDepositsAndPreAcquisitionCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phm_FinancialServicesMember" abstract="true" name="FinancialServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phm_ChangesinSelfinsuranceLiabilityRollForward" abstract="true" name="ChangesinSelfinsuranceLiabilityRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="phm_LesseeOperatingLeaseLiabilitytobePaidafterYearFour" abstract="false" name="LesseeOperatingLeaseLiabilitytobePaidafterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="phm_OtherHomebuildingMember" abstract="true" name="OtherHomebuildingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="phm_DebtInstrumentEffectivePeriodAxis" abstract="true" name="DebtInstrumentEffectivePeriodAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="phm_ComponentsOfInventoryTableTextBlock" abstract="false" name="ComponentsOfInventoryTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
</xs:schema>
