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  <xs:element id="phm_RemainingPurchasePriceOfAllLandOptionAgreements" abstract="false" name="RemainingPurchasePriceOfAllLandOptionAgreements" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phm_ExciseTaxOnShareRepurchase" abstract="false" name="ExciseTaxOnShareRepurchase" 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-types1:domainItemType"/>
  <xs:element id="phm_FinancialServicesMember" abstract="true" name="FinancialServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="phm_HomeBuildingSegmentMember" abstract="true" name="HomeBuildingSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="phm_UnsecuredSeniorNotes7875DueJune2032Member" abstract="true" name="UnsecuredSeniorNotes7875DueJune2032Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_LesseeOperatingLeaseLeaseNotYetCommencedLiability" abstract="false" name="LesseeOperatingLeaseLeaseNotYetCommencedLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phm_DebtInstrumentEffectivePeriodAxis" abstract="true" name="DebtInstrumentEffectivePeriodAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="phm_ProceedsLandUnderPurchaseOptionsRecorded" abstract="false" name="ProceedsLandUnderPurchaseOptionsRecorded" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_InventoryRealEstateNotOwned" abstract="false" name="InventoryRealEstateNotOwned" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_FairValueDisclosureAbstract" abstract="true" name="FairValueDisclosureAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="phm_DebtInstrumentEffectivePeriodPeriodOneMember" abstract="true" name="DebtInstrumentEffectivePeriodPeriodOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="phm_SeriesAJuniorParticipatingPreferredSharePurchaseRightsMember" abstract="true" name="SeriesAJuniorParticipatingPreferredSharePurchaseRightsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="phm_ComprehensiveLimitedWarrantyAgainstBuildingDefects" abstract="false" name="ComprehensiveLimitedWarrantyAgainstBuildingDefects" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="phm_EffectivePeriodDomain" abstract="true" name="EffectivePeriodDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="phm_PaymentsLandUnderPurchaseOptionsRecorded" abstract="false" name="PaymentsLandUnderPurchaseOptionsRecorded" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phm_IncurredButNotReportedPercentageOfLiabilityReserves" abstract="false" name="IncurredButNotReportedPercentageOfLiabilityReserves" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="phm_InsuranceReserveReversal" abstract="false" name="InsuranceReserveReversal" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phm_NotesPayableIssuedToAcquireLand" abstract="false" name="NotesPayableIssuedToAcquireLand" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phm_OtherHomebuildingMember" abstract="true" name="OtherHomebuildingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="phm_LettersofcreditandsuretybondsPolicyTextBlock" abstract="false" name="LettersofcreditandsuretybondsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="phm_ScheduleOfCompanyInterestsInLandOptionAgreementsTableTextBlock" abstract="false" name="ScheduleOfCompanyInterestsInLandOptionAgreementsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="phm_UnsecuredSeniorNotes6375DueMay2033Member" abstract="true" name="UnsecuredSeniorNotes6375DueMay2033Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="phm_UnsecuredSeniorNotes600DueFebruary2035Member" abstract="true" name="UnsecuredSeniorNotes600DueFebruary2035Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_SharerepurchaseplanMember" abstract="true" name="SharerepurchaseplanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_LesseeOperatingLeaseLiabilitytobePaidafterYearFour" abstract="false" name="LesseeOperatingLeaseLiabilitytobePaidafterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phm_LineofCreditFacilityAccordionFeatureIncreaseLimit" abstract="false" name="LineofCreditFacilityAccordionFeatureIncreaseLimit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phm_SeniorUnsecuredTermLoanMaturingJanuary32027Member" abstract="true" name="SeniorUnsecuredTermLoanMaturingJanuary32027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="phm_SelfInsuranceLiabilityRollforwardTableTextBlock" abstract="false" name="SelfInsuranceLiabilityRollforwardTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="phm_TexasMember" abstract="true" name="TexasMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="phm_MidWestMember" abstract="true" name="MidWestMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="phm_NortheastMember" abstract="true" name="NortheastMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="phm_FinancialServicesDebt" abstract="false" name="FinancialServicesDebt" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="phm_UnsecureSeniorNotesDue2026Member" abstract="true" name="UnsecureSeniorNotesDue2026Member" 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-types1:domainItemType"/>
  <xs:element id="phm_SoutheastMember" abstract="true" name="SoutheastMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
</xs:schema>
